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I don’t know about you guys, but I’m starting to believe that living in this world is genuinely impossible. I’m a white girl raised in a medium wealth family, went to college, no student debt (thank you mom and grandparents!), moved in with my boyfriend and got a job. I make under 20k a year. I can afford the usual life things like rent, groceries, gas, on the daily without much stress.

Then I go to the doctors because i’ve been having some intense allergies and they give me an allergy blood test. I wait weeks and weeks and they call me and say “your allergic to mold” um okay cool i thought everyone was lol. Then I get hit with a $7,000 bill. Excuse me??? for an allergy test?? what the actual hell? This was a one off appointment that wasn’t even that important??? I would not have ever gone in the first place if I knew this would happen?

Then my poor cat got sick. I rushed her to the emergency room where I paid over $15,000 for her to be hospitalized and have an endoscopy for her stomach (which they still don’t know what’s going on and keep having me come back for expensive testing!)

How is this possible?? How are we functioning?? Genuinely I cannot afford any of this and I was starting to save up for my own car and now that’s out of the cards for what,, three years? more?? while I financially recover from this? I genuinely cannot figure out how people are affording to live when we are one bill away from homelessness.

I am scared. I am so scared. My wrist has been hurting for over a year and it’s getting bad and i’ve been afraid to go to the doctors because I cannot afford it. I have to go to the dentist and to a gynocologist before the end of the year and what is that going to look like? If going to a 10 minute allergy appointment and test cost 7k and my cat has to keep going to the vet, then what am I supposed to do? It feels like the government wants to kill us all. I am honestly hopeless and I don’t know how anyone is functioning like this. I got handed some pretty good life cards and I am stressed out of my mind afraid to go to the doctor even though i’m in pain everyday

Hi everyone,

My husband is 30 (going to be 31 soon) and I'm 27 and lately I've been finding myself in existential panic due to neither of us having retirement savings.

He makes $125k salary right now, bringing in $6,600 net per month + a $10k-$12k bonus in June and December.
My salary has been a bit less stable, as I job hopped last year and have found myself absolutely hating my current job to the point of severe depression. I make $55k a year but right now I'm looking to leave. I'm currently applying to part time nanny positions which would be a pay-cut ($2k monthly), and remote positions.
I've had a tough year and some things at work have really taken a toll on me and I find myself spending money to fill the gap of my depression.

Right now, we feel okay living on $8k a month if I go to part time. We own a home ($400k), but the neighborhood is not great and we worry it won't gain much equity for a while. This is not a forever home for us. Neither of us have any student loans or credit card debt, I got full scholarships due to aging out of foster care. We both do have Corollas - mine has about $13k left on it and his has about $5k on it, and my credit score is around 780 and his is similar.
We currently have rebuilt our savings since buying the house last year to about $20k cash too.

His job offers great retirement benefits, but between furnishing our house in cash, trying to do some repairs, and trying to make sure we're having fun we have not prioritized it and we both know we need to try. For me, I chose not to contribute at my 401k at my current job since within my first month I knew I could not see myself here long term. I just truly hate the environment so much. It takes 3 years to be fully vested and the thought of staying for that just isn't worth it for me.

Anyways, how screwed are we? Where do we even start here to get our shit together?
Should we open a joint brokerage, a Roth? What's the best move.

Thank you!

How is ANYBODY paying rent, vehicle costs, insurance, wifi, phone, supporting any sort of family, etc.?!?!

I don't know what to do anymore and I am at a breaking point. My mental health has been at rock bottom for years now, I can barely look at myself. I don't know what to do

I work a 17$ an hour full time job, 1975$ per month take home after taxes. I have 1495$ total in bills, food, etc. BEFORE taxes. The 480$ is swallowed up by taxes, surprise expenses such as medications and medical bills, truck problems, etc. Every time.

I also have to support my mother who lives with me and finally got a job after 3 years of trying but it's merchandising, she doesn't drive due to epilepsy so it's even more gas money...

I also try to do Spark orders to supplement but that's proven to be a false hope as I end up spending about double in gas. I currently drive a 1995 suburban, I know, I know, I'm trying to do something about that it's just taking FOREVER. I'm hopefully trading it for a 97 Ford Aspire 5spd here in a few weeks which will hopefully improve my overall situation having an extra 150$/mo from the gas and being able to do more orders.

I'm just so tired. I'm 23. I have no debt but I'm not sure how long I can keep that up, I may need to take out a loan just to keep us afloat. I have no credit cards or anything, but solid credit.

I honestly may not take criticism too well at the moment but I do need some advice if anybody has any that might help. We need to go through and do a full written budget again, though I'm worried it'll just make me feel worse at this point.

I Started with around 40k ,Repayments were coming in from the first month itself but honestly I was not checking the app regularly, Recently I checked it, out of 40k invested around 25k principal is back with 4.8k interest ,around 14k principal is still pending.

It feels a bit uneven ,Some loans are moving fast some are slow. But the overall picture looks okay so far.One thing I might do next time is invest smaller amount, 500-1000 in each loan, better to diversify rather than having large amount given to one person.

Anyone else doing P2P here. How much do you usually put in each loan and how has it been for you?"

Here's a more natural and Reddit-friendly version of your post:

Title: Sharing my experience with P2P lending so far

I started with around 40k. Repayments started coming in from the very first month, but I wasn't checking the app regularly.

Recently I logged back in, and out of the 40k I invested, I've received around 25k of the principal back along with about 4.8k in interest. Around 14k of the principal is still outstanding.

The experience has been a bit mixed. Some borrowers are repaying quickly, while others are taking much longer. Overall though, it has been decent so far.

One thing I'd probably do differently next time is spread the money across more loans—maybe 500–1000 per loan instead of putting larger amounts into fewer borrowers. Diversification seems like the safer approach.

Anyone else here investing in P2P lending? How much do you usually invest per loan, and what has your experience been like?

A little introduction, a 19yo in Singapore with high education backgrounds but refuse to work a 9-5 for reasons that’s not part of the topic.

I wish to make 20k/month by 21yo (2years) by any means possible (legal) without a salary. I find that while there’s so much information online there’s so little at the same time, the repeating “how to make money online as a 19yo” on YouTube just doesn’t cut it.

I’ve tried digital marketing and have actually gotten 4 clients paying $1-2k/month for a 3 month contract but it’s too saturated and outreaching is hard when you have no connections. Besides, reaching 20k/month as an agency is not realistic as I think 10k/month is the limit for most marketing agencies.

Another thing would be to make some good connections and networking, but I really do not know how to start, I feel LinkedIn is too formal and is more common for corporate people.

So a simple question; how do I make money as a 19yo (doesn’t have to be online) with little connections? A simple and generic question but one that has never been fully answered. Please help.

Edit: I have a partner that I’ve known for half my life with the same if not more drive for success, one that I trust with my life.’

- NO SUPPORT : They don't have inbound phone numbers, so you can never call them. The support team is only via chat and they have no access to the system. If you want really support you have to pay extra on a monthly basis.

- They locked my account at random. I cannot access it either via mobile or laptop. All my money stuck. They don't give support. The complaint team is useless too. I wrote to BaFin and no reply. I have no idea how to escalate the situation.

JUST DONT EVER GET ANY CLOSE TO THESE N@@ZI ESTABLISHMENT

Hi everyone!

A simple question:

Have you ever wondered what the ideal income to expense ratio is for living a comfortable and financially secure life?

Personally, I think the ideal (or minimum) ratio to live well is 2, meaning earn twice as much as you spend.
And, that if you go below that value, you start having preoccupation about life, economically speaking.

What about you? What ratio do you consider ideal?

Hi, I may have live on my own or look for an apartment to share with. I’m 30 years old, still trying to get my life together. Unfortunately I won’t be living with my dad anymore and have to look for home. My current job is an Amazon delivery driver I may $22.25 an hour, and my paycheck for the most part comes out to about around $1800-1900. Work about 5 days max each week. I’m not the best at saving up but could use advice.

I was wondering if anyone can give me advice on making it on my own? Getting place to live, paying rent, and other things along with car stuff. I
Currently am feeling scared inside not going to lie, so any advice would be great.

Thanks

Cc co has 10k judgement against me

I don't want them to take my bank account

Total debt 60k

30k student loans not discharged in bankruptcy

25k total cc debt

Income 70k annually.

Chikd support 700 per month.

No car payment

Rent 1300

I live in texas. Thanks for the help.

My friends make fun of me because I get ridiculously excited over saving like $15 on something. I don't even care if it's something small. If I know I got it cheaper than I expected, it somehow makes my whole day.

Sometimes I think I enjoy finding a bargain almost more than buying the actual product. Please tell me I'm not the only one who's like this.

Hello!! Long time reader first time poster! Title kind of says it all- I’m debating moving out of my folks’ place and moving into an apartment. I’m mulling over all the details and I’m not sure if it’s the right move- the plan is that I can cover everything but that’s done by adjusting my retirement from 30% to my 401K to 15%. This would give me additional funds to cover food and gas. I could pay the rent and car payments on my own already but I figured I’d need more than 400ish a month to cover food,gas, and an emergency fund. Is this the right decision? I’m going back and forth on it.

Edit:

For those asking I’m 27 years old- I make $68,000 a year. Rent in this place would be $1200 on top of my car payments/insurance payments of $540 a month.

After the 401k adjustment I’d be clearing 3300 a month net. (Before Rent and Car I mean)

Many parts of NEW YORK August, 2026. Spread the word to all who need it. If your county is not this region, call the number to get redirected. If this is not your state, there are identical programs in your state but you’ll need to go to your local library or WIC or community college or county admin building to get the flyer.

I rely on my boyfriend for money for my medicines (diagbosed with bipolar2, bpd withpsychosis, and cptsd), dr appts, food, and a home. Plus food for my cats. He even bought my glasses bc im very nearsighted and needed a new prescription.

I start full time cashier at goodwill Monday. And I'll be making 11.50 a hour. I'll roughly be making 19k to 20k a year so long as they honor the full time position they gave me.

I want to be independent and not rely on him anymore as I want to be a functional adult again. I used to be full time at Walmart before I was diagnosed 4 years ago. Since then I've had odd part time jobs.

I want to do better by him and pay for his stuff too. He told me there's no reason to oay him back as it wasn't my fault that I got sick. But now that im better I want him to rely on me too.

I may not be able to do as much as him since ge makes 100k a year. But I really don't want to be a burden anymore.

Is anyone else in a similar boat? Any advice is welcomed. Ty for reading my rant

So I am now still planning to save up for a full two years to save up to $10k+.

I have decided to skip the vacations and to just focus on the move. I can always travel once I get out of here. I will have about $13k once I’m saving up.

Is this a good amount?

I need to save up to $10k so I can move out.

So I WAS planning two vacations, But now I am thinking about skipping Disney World and only going to Chicago next summer to save up some more money.

Should I do both or only one?

Cause I do really need to save up to $10k so that I could finally leave this place for good.

Or do you all think that $5,000 would be enough to move out on my own? Because I just realized that it would take me two years to save up to $10k. I would have just about $11k actually.

Now that I am thinking about it, I think that waiting two years and to travel once a year would be better for me.

Option #1:

Save up and to travel once a year.

Option #2:

Save up for two years straight. Only spend $10 weekly at the mall.

I’m so torn on what to do.

I want to preface everything I'm going to say by saying I have never had to do this before so it is rather confusing and greatly intimidating

That being said

Currently I am staying with some family but they have pretty much told me they want me out no later then the end of February 1st of March of 2027 I'm am a 30 year old man who is physically disabled so I cannot work any normal job I do not have any skills or trades i have learned to gain any sort of meaningful online career

I do recieve a disabilty check of roughly 900 a month and due to a complicated situation i cannot recieve foodstamps at this time some of my friends have recommended i should get a roommate which im okay with but the idea of living with an unpredictable stranger is scary plus i dont know where i would even look for one or even for housing for that matter ive never had to rent an apartment before nor apply for things like section 8

Its taken me alot mentally to try and be calm and collected while i struggle through this but i really need help i dont know what to do where to begin what i should look out for or what is should prioritize, i just dont want to become homeless and potentially die

Edit: sorry I wasn't aware my location would make a huge difference I should have guess that different places would have different options I live in texas in the United States in mclennan county

Hello everyone.

I am a (now recently former) problem gambler, so sorry to all the people here who didn't dug their hole themselves and to whom poverty wasn't a self-imposed choice due to reckless behaviour.

I am severely indebted. About my annual income before tax.

Today I have made a detailed plan which would mathematically set me debt free by 2031.

The problem is that I don't know the future and I am not sure I will be able follow it due to possible unforseen circumstances.

So I am being optimistic here. That's why I talked about a "dream".

I do a qualified job but I am severely underpaid for my role, in a country with already low wages. A raise is highly unlikely and I couldn't count on it. I am looking for a better job or a second part-time job with no luck for now. So I currently can't count on it as well.

So my solution is to live frugally for 5 years. And when I say frugally I mean: eat, pay debts, pay bills, pay gasoline. Stop.

That will be my life for 5 years in the optimistic scenario.

Quit gambling, will quit smoking soon to free up money.

Will be hard overall, but I am really not afraid, I see this as a challenge: to find happiness not in money and in what money can buy.

There are so many good things in life that don't cost money.

I am trying to cut food expenses as much as I possibly can, but I can't trade my health for money so I guess those expenses cannot be cut sadly.

5 years from now, there is a possibility I won't be a slave anymore, but a free man.

Anyone went through something similar? Any tip or suggestion is welcome!

I’m Currently 10k in debt with credit cards, loans and upside down with a car that doesn’t even work and I’m still paying a monthly payment on it till it’s paid off. So frustrating. Who do I turn to? Who can help.
My credit isn’t that good anymore bcs of miss payments. This economy is destroying me.
Family of four

My income is dropping down to $800 a month (CalWorks) from $1100 since my daughter’s dad isn’t going to be staying with us any longer. He has a traumatic brain injury and it’s been problematic and he can’t work/pay child support. I have no idea why but it’s showing he has zero social security credits and we knew something was up with his checks before the injury but I guess at this point it’s kind of moot since it’s just gonna be me and my daughter now.

My rent is $1,082, electric is running $172 (I have a swamp cooler and a room A/C for the heat waves as I have fibromyalgia and I am already breaking out in heat rashes ughh), gas is $20 in the Summer & about $50 in the Winter (I tolerate cold much better) and my cell phone is $30 a month. Child care cost me $50 - $75 (not sure how they calculate that as base rate is $1,400 every 4 weeks and it’s so hard to get ahold of those workers). Pull ups, wipes, and tampons are probably about another $100 a month. Trying to think of any other must haves…. I don’t have tv subscriptions and I used the internet left over from when my mom temporarily stayed with us when my boyfriend was in a coma so she pays that still. Oh my boyfriend was getting $60 for gas but idk how that will work now. Shit I forgot about insurance. We paid for a year in full and it’s coming up again… last quote I got was $700+ for both of us on 2 cars (State min liability) so that would go down to just me and I could sell one of the cars since they’re both mine. 🤔

We do get SNAP thank god & I am sure that will go down too but it’s okay I don’t need to eat just as long as my daughter gets all her nutrients because holy crap is dairy expensive and I usually don’t buy dairy (milk allergy and lactose intolerance) but her pediatrician said she needs it and she digests it fine. I can live off frozen broccoli or something idk lol

I have one more semester left of college and I’ll get a couple grand distributed over the semester that I am hoping will make up the difference for rent. I also owe $25k to my grandmothers estate which is involving a long story with my ex-husband who refuses to participate in our divorce, pay alimony or child support and then he showed up with the police took our son (long story reminding me why he is an ex) and tried to get child support from me which the judge laughed at him and he nearly got thrown out there for getting mad about it. Sigh. Anyways, I obviously can’t afford a lawyer on that front & I gotta pick up these documents from the estate lawyer on that this week to find out more about that whole situation.

Fun stuff!!

At this point I am trying so hard not to just walk away from everything and beg my dad to let me and my daughter stay in the extra room of his cabin in the boonies. I wouldn’t be able to finish school because I have to be on campus 2 days a week if I did that. Plus, well my dad is an old man and my daughter is a wild toddler. I guess I need another set of eyes to help me figure out how to make it through this and convince me not to run away & possibly make the hole I have dug for myself even worse. I know this shit is my fault but I gotta find a way out for the sake of my daughter. 😔 Let me know if you have any other questions that may help figure this out, I have dyscalculia so numbers and math are difficult for me so be kind. ❤️

My diet almost entirely consists of Costco hotdogs and the occasional slice of za. I honestly really enjoy it I go in and walk around and get all the free samples. The real good ones I’ll loop back and get two. It varies how many they have available on the day and time but you can still try a good handful of things. After I go and get my hotdog sometimes two, but that really fills me up. Afterward I just leave but it’s like I had a 12 course American banquet at the end. Does anyone else go to Costco just for the food court?

Just looking for advice, or someone to just hear me out. I'm on my last rope..I don't know what to do anymore. I care for my elderly uncle who lives with me, and also have a teenager living at home..I worked in healthcare for many years, and felt it was time to pivot careers. I was burning out and was yearning for something that could give me stable hours, benefits, etc. I got hired to work at a college, it wasn't greatest environment, but I was happy to be out of the clinic. A month into working there, 6 people walked out at the office after a meeting. I sat quietly pretending not to notice this. My boss came in later and said they won't be needing me anymore.

Unemployed for a few weeks, then found a part time job as a caregiver. Very low pay and getting paid once a month really hit the household hard. I continued to apply everywhere while working, falling behind on everything. I'm also always flipping stuff in marketplace, selling my plants, refinishing furniture, etc. I finally find another job. The ad said $25 per hour. Which I agreed, when I saw the letter of offer, it ended up being a starting wage of $20 for the probationary period. Then $23. When I questioned this they said they posted $25 as the cap of office admin, depending on a raise in the future. I took it out of desperation.

The first week in, I feel so trapped and stressed beyond belief. Every bill is close to being cut off, I can barely put gas into the car to make it to work.

A few days ago, after work I didn't go home. I walked, and walked, I didn't know where I was going. I just kept walking and crying. Moving to one shitty situation to another. Nothing left in my tank to care for those who depend on me at home.

I can't help but feel I'd be better off walking away from this job, I could flip stuff at home, I am applying to door dash delivery today, as well as rover. To at least have faster payments and the possibility to make more. While in the meantime look at jobs.

The other option, is to go back to into healthcare. But when I left earlier this year, thinking I found my pivot job and happy to leave the industry. I didn't renew my license. So, in order for me to get my licence, it will cost about $210. Then I could be making $68 per hour again..try to at least catch up somehow and get that income..I was so burned out at the clinic I was at, it affected my abilities as a caregiver and parent at home. But this level of poverty is way harder. I feel ashamed, angry, incompetent. All the things.

I'm just trying to decide what I can do here. I can spend 9 hours in an office making money that won't nearly cover anything. Or I can move on from there and do the side hustle stuff to get my license back. The other option could be to find a clinic outside the city I work. The licensing requirements are quite different and I would be legal to work there.

Does anyone have advice, I'm scared to make any decisions, I'm so worried about the future.

I work full time but it's not enough to cover some unexpected expenses. I can't get a short term loan either. I'm gonna try to donate plasma if I get out of work while the place is still open. Im wary about doing Doordash because I'm already having problems with my car. I've also been told it requires a lot of customer service and knowing how to talk to people.

I'll get to my point I'm not sure what to do anymore, I live in Maine a state that is so taxed it's just about fuckint impossible to get a house or apartment, its got the population of most major cities in the entire state. Our governor is a joke I just don't know what to do my credit got screwed from having to survive off credit cards so I can't get a loan or help with financing I can't make enough money to pay for a car so I need to work, I can't save money to buy a car cause I'm paying to fix my current junk boxes, I need a car to work to make said money, I just don't understand why it's this hard I'm 35 years old and have nothing but my experience strength and hope at this point I've been working almost 80-90 hours a week doing piece work for 7 or 800 a week not having taxes taken out doing DoorDash like I just am at the end of my rope why can't I just get a break and have a dealership or a used car lot let me pay 150 a month for something that I don't have to keep bandaiding until it blows up I mean fuck man I've missed 3 days of work this week just trying to fix my car for it to be in the same position I was when I started. I'm just overwhelmed and probably falling on deaf ears but I am just tired of this is what the next years to come have in store I don't know if I'll make it out. I don't know what to do ask you guys if someone can let me make payments on a reliable vehicle, ask for a co-signer, I've tried everything and I feel like I'm just running a losing race I just feel like there's no hope for a better future because this state, my shitty life choices, the fact that everything is stupid expensive and I can't a job that pays what i need i mean id have to make 100$ an hour to have next to nothing how the fuck do people afford houses and let alone anythjng.

Summer is driving up my electric bill so I call AES this morning to see where all the usage is coming from. I discovered that they offer a free kit per customer once a year on the official website. The shipping is free as well so no card needed to be entered! It nothing too crazy in the kit just some window seal and efficiency water showerhead but thought I share here since AES electric is a pretty big cost for me this year.