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"Financially irresponsible" as it pertains to shots aimed at poor or moderate income families is such a red flag for 'this person is a douche' it's not even funny.
A thread!
A thread!
Americans aren't taught how to handle money. It's hard, in a 99/1 world to not see that as deliberate, because people who don't know how to handle money are eventually going to depend on the 1 to bail them out. At higher interest rates.
We don't really sit kids down with budgets. We certainly don't teach kids how to prioritize payments when there just isn't enough money to cover the bills. We don't talk about seven year long impacts on credit scores.
People honestly think it's just "you have 2000 dollars this month to pay everything, go at it" is a realistic expectation. Which, in a society where the living wage is not REALLY a living wage unless you live with friends/parents, welp.
I spent ten years digging out of the credit crap I got myself into when I was 20. Because at 20, a $35 a month payment didn't seem so bad. But, like, no one told me it realistically should be a $70 payment so you don't keep digging.
And $35 times six cards because EVERYONE is offering financing as the "easy" option at checkout--and a lot of people are afraid to say No, particularly at that age when you don't hate everything enough yet--adds up quick.
No one talks about credit consolidation. And how that impacts your ability to use other credit in the meanwhile which, in lower income brackets? Sometimes folks pay 200 dollars a month to keep a credit card going so they can put their groceries on it so it's not out of pocket.
When you talk about how someone can get "2400 a month and not know how to pay their bills" they're not considering the poverty line BEFORE then and the lack of education about how best to dig yourself out.
People are honestly out here thinking folks are blowing their incentive money on motorcycles when the reality is it's catching up on all the shit they couldn't afford beforehand.
And it's NEVER beyond me that it's some white person who's never once considered that Black communities, disabled people, and other marginalized communities didn't /get/ the privilege of blowing nonexistent money in the form of credit cards at the same time they did.
So the School of Hard Knocks Learning on how to handle credit, credit debt, and financial crisis hits them at 30 instead of 20 because they just didn't have the means to even dig until then.
Being an irresponsible white teenager isn't their life experience.
Being an irresponsible white teenager isn't their life experience.
You get to talk about the "fiscal irresponsibility" of poor people when you've spent the time looking at their bills, coaching them through it, and helping instead of whatever it is you're doing running your mouth.
Anything to feel superior to others, I guess.
Anything to feel superior to others, I guess.
And yeah, Amy's dead-on.
The perspective of someone who job hunted in 1986 isn't exactly valuable or viable nowadays. https://twitter.com/theames/status/1287917782089076736
The perspective of someone who job hunted in 1986 isn't exactly valuable or viable nowadays. https://twitter.com/theames/status/1287917782089076736
