Everything

2y

Those middle class people you're talking about should look at more affordable schools. If you can't afford 3-4k tuition per semester for 4 years while staying home and working then you need to look at community college options. If even that remains unaffordable and tracks as you taking on absurd amounts of debt, maybe college isn't for you and you need to be looking elsewhere.

Birdie 2

2y

· edited

IThey shouldn’t be regulated to community college options and that hurts their post-graduation outcomes

CUNY/SUNY are supposed to be affordable to EVERYONE.. that’s they’re a thing in the first place ..why is a commuter student on average paying 17k for SUNY per year? https://www.suny.edu/smarttrack/tuition-and-fees/

A huge component of college/post-grad success is undergraduate research opportunities, on campus recruitment, student organizations, etc

Commuter and transfer students face a huge uphill battle in regards to that

The main reason why I got a strong start/good job placement outta graduation is because of the on campus internships/company externships available during my sophomore year

Transfer student outcomes are typically horrible: https://www.insidehighered.com/news/institutions/community-colleges/2024/02/07/new-reports-show-fewer-half-transfers-complete#:~:text=Only%20about%20a%20third%20of,48%20percent%2C%20earned%20bachelor's%20degrees.

Everything

2y

They should be relegated to whatever is affordable to them -- either through out of pocket or through an acceptable level of debt accumulation. That doesn't just go for school, that goes for everything.

The point is that you can carve out a quality life for yourself by making quality financial decisions. It is not this impossibly difficult task where luck reigns supreme.

Birdie 2

2y

This is straight wrong lol

They’re paying taxes for public city colleges and public universities they can’t even afford?

Come on guy

Everything

2y

We all pay taxes for public services none of us use lol. That's how a state/country work.

Birdie 2

2y

over 90% of the workplace has a single job and the average American works 40 hours a week you can assume that most people are working 40 hrs a week at their one job.

You stated over 90% of workers have a single job, that’s not sufficient enough by itself to claim workers are not increasingly working >40 hours a week. That data point tells you nothing about how many hours people are putting into their singular job. Also again, citing 90% but not showing the trend of where things are going is not helpful.

Most credit card delinquency comes from consumer debt, living above your means and lack of discipline in your spending habits.

This sounds like the ‘working class’ is stupid argument and that’s why we have so much household debt. I’m a first gen American who grew up on section 8 and earn significantly above my age group/area and wouldn’t make this claim. I additionally work in finance/investment industry and imo honestly it’s simply not the case.

The average income a new car buyer is 155k and their average age is 58 lol .. meanwhile again used car monthly payments on average are ~1k a month

If you wanna argue that Americans are overspending then why is the average age of new car purchaser so high? Clearly Americans have still foregone expenses like a new vehicle but even then they face heavily overpriced used vehicles on market + greater insurance costs.

Maybe savings depletion/increasing levels of debt have because household goods aren’t affordable compared to 5 years ago .. sounds much more plausible compared to ‘most Americans lack discipline’

DoubleO 5

2y

The day you wake up and realize this is what america deserves for selling an illusion to generations of people and driving people insane you’ll realize why nobody wants to make sacrifices for this society anymore malcolm. People are adapting by trying either trying NOT to repeat cycles they’ve seen before them or saving themselves first. To create a problem - Sell the solution is fundamentally american. Nobody is in the game of creating solutions for free sir. When’s the last time a genuine movement happened that wasn’t co-opted by corporations,government or some of the most greedy people influencing it? What are we gonna do tell people to get off their phones? what are some realistic solutions malcolm? There is so much fear instilled in this country to divide us, and immense distrust among people who don’t share the same views. There is no community if there is no trust

Malcolm

2y

The day you wake and realize you still have millions of people coming to America illegally because they know they'll have a chance to get it out of the mud here while you and others complain that "it's not worth making sacrifices for this society" when told you can do something to better your situation lol.

Believe what you want man. Some of us are going to do what's necessary for our situtation and make it out.

Birdie 2

2y

We don’t wanna use education?

Everything

2y

The truth is if you can't avoid student loans/make them minimal then you shouldn't be going to university.

Having kids should be out of the equation for most people. Being broke and birthing a child is literally psychotic behavior.

I make north of 60/hr right now. I live at home because I know that in order to buy a house, I need to stack chips. I avoided all student loans by working full time and paying for school out of my own pocket while my friends took out loans to travel, party, buy cars they shouldn't have, move out for no reason, etc.

Most people want it all. They want to move out, own nice s***, travel the world, go to a nice school, etc. all while in school. Life doesn't work that way. S*** has to give. The truth is that you need to realize the sacrifices you need to make. Tell me why people with s*** jobs and crippling debt should be having children before sorting out their s***. Tell me why people think they need to go to an expensive school or move out into an apartment when their parents are perfectly fine with them staying home until their financials are straight. It's nonsense.

F***, most people don't need to go to university. They need to become plumbers, carpenters, and electricians. Their lives would have way better outcomes if they did that instead of going to NYU.

Again: DO NOT GO TO AN EXPENSIVE UNIVERSITY. DO NOT GO TO UNIVERSITY UNLESS YOUR OUTCOMES POST-GRADUATION ARE A HIGH WAGE AND LOW/NO DEBT. DO NOT HAVE KIDS WHEN YOUR FINANCIALS ARE F***ED. DO NOT HAVE KIDS OUT OF WEDLOCK. DO NOT F*** YOUR CREDIT SCORE UP. DO NOT BUY A CAR YOU CANNOT AFFORD. DO NOT GET AN APARTMENT YOU CANNOT AFFORD.

I grew up dirt f***ing poor. This isn't complicated. Most people can follow the path, they just don't want to. This isn't some luck s*** or something incredibly hard to do. I urge anyone thinking about going to college for some bullshit degree/anyone looking to take on tons of debt to go to university to look up how much plumbers make in their area. Do you want to like your job or do you want to enjoy your life? S*** ain't a dreamscape. These are the choices most people have to make in order to live a decent life. Maybe being a plumber sucks -- but making a nice wage with no debt and a high credit score allowing you to enjoy your life is a f***ton better than liking your job while buried under mountains of debt with no prospects of ever being a homeowner.

You mentioned that the average car payment for a used car in America is $1k/month. Do you know how f***ing insane that sounds. Americans are overspending. I pay $300 making double/triple/quadruple what niggas paying $1k/month is bruh. If I'm not spending $1k why the f*** are they???

DoubleO 5

2y

Lmao you realize that “grateful to be here” act is what stops progression and exactly what they want black people to promote when they sell themselves out to assimilate and appease white folks Ofc immigrants don’t know or understand the deeper problems here, this same thing applies to the diaspora of any ethnicity in america,…they are still being sold the american dream and america is gonna give them the labor jobs that nobody wants (but somehow poor conservatives still say they are taking away jobs that nobody with HS diplomas aspire to have) and protection for their families.

That neoliberal take is simply not gonna work bro, we are past that tapdancing, You dont let the status quo stay in place just because the bare minimum can be reached by immigrants who is still being used as a political tool by people who actually give no f*** about them because they need cheap uneducated labor lol it’s all a cycle, get privy to that sooner than later

Benjy

2y

I already look at the 2010s as the good days

Benjy

2y

I already look at the 2010s as the good days

Benjy

2y

I already look at the 2010s as the good days

DoubleO 5

2y

ofc people gonna do what they gotta do to survive especially if they got kids, but you got people in here advocating for people to adapt without thinking maybe this system should adapt first? we still run off of a post-WW2 era economic model lol, imagine booting up windows XP and expecting it to run the latest version of steam. That is where we are man catch the f*** up

Fever

2y

you cashing in on WIC?