10 bucks a f***in zip code a better way to determine your financial outcome compared to personality traits n s*** like that

yes/no

the rich have siphoned trillions from the poor over the years and we are still having these discussions

Take it from shawty low and learn how to trap

Supply and demand. Because people buy s*** they can't afford by putting it on a credit card, prices remain unaffordable

always

Poverty is a mindset. Pull yourself up by your d***.

Especially true for housing, but oddly enough barely talked about

I drink a lot of beer ngl

No. I dont think so. I was raised in a s***ty area with s***ty job prospects. I was lucky to be able to get into a college that wasnt insanely expensive comparatively. I guess the only thing I could've done was get a better degree (but I wouldnt be interested in those jobs). So id be unhappy even if a bit more well off.

I guess I could've done a bit more to help my situation but I came from f***ing nothing lol. The difference in what im doing now and what I could've changed Is maybe 30-40k. Not insignificant but I wouldnt be a millionaire or some s***.

So I think everyone has agency in what they could do and theres things you can sacrifice to improve your situation. But I think if youre starting from the floor its not your fault.

Better starting situation factors in immensely. You can make it from nothing but its so much more of an uphill climb. I feel like thats obvious though.

the more people spend on things they can’t afford, the more expensive things cost. that’s why the average car cost now is like $50k, average payment has risen to $750-$1k per month, and repos are at an all time high

I just wanna kiss my fish

Assuming you’re in the right career / industry, patience and sacrifice is very important. I also think a lot of Americans justify getting and buying s*** they don’t need like expensive clothes, financed cars, fancy apartments, and high-limit credit cards.

Financial Samurai helped me out a lot and the guy personally answers your questions if you email him. Dude saved 70% of his paychecks for like a decade, real discipline right there.

sure

Ya

It's 50/50, I think society has purposely made it easier fall in a rut. More degrees have become useless, good jobs have become harder to get etc

for most people the answer is yes. it's not hard to be relatively successful in this country and most people could earn 100-250k with moderate ease if they made better choices in life

I'm not sure how to fix it either. I personally did 90% of my research and future planning on my own thanks to the internet and I made sure I didn't go to college and waste my time and rack up debt for a degree that wasn't going to have me set

I’m not broke because a random person in another country posted on a dying Kanye fan forum and convinced me to buy ethereum after I lost money on crypto in the past.

I’m not broke because when I got out of school I moved in with my brother while I found a job and his neighbor died and their kids didn’t have the money or time to deal with the house so they sold it to me at a really good deal without getting a realtor involved

I’m not broke, and am alive, because my friends and family helped me in my struggle to get sober.

Surely the final blame must be assigned to the individual and not the centuries-old system of social organization that thrives off ignorance, desperation, fear, and exploitation

I’m broke until Lowkey IPO’s

If u wasn’t jail or had massive generational debt being broke in big 26 is crazy

this objectively just not true man. 60% of niggas are one paycheck away from being homeless

100k is not enough to do more than support a family for a large portion of the US

You can support a family but you won’t have anything for emergencies, vacations, generational wealth, college, etc.

No

Capitalism needs losers for there to be winners

If everyone was rich money would lose all meaning. The fact that the majority of us are not rich isn't a character flaw or defect, it because a select few (typically completely circumstantially and not via effort alone though they'd love to convince you otherwise) are in a position to manipulate the system for big profits, it was designed that way.

Also capitalism rewards the hustlers and schemers and scammers. Not just criminals but many entrepreneurs, investors, corporate employees and sales people have this personality type. Its dog eat dog. If you don't have that kind of personality (which many of us don't) and you don't have some sort of inheritance you are forced to seek employment for survival and rely on your skills. Unfortunately many people just don't have marketable skills. Even in that term there you can see capitalism at work MARKETable skills. Even the labor force is a market where the resource to be sold is ourselves.

That being said the bright side of capitalism is if you DO have marketable skills or you can do what's necessary to acquire them you can do well but you'll have to fight for it. If you don't got it you don't got it though, its all kinds of people, ignorant uncultured people who werent exposed to better, litterally dumb low iq people (not every human is smart unfortunately) people with mental health issues, emotional issues that keep them from being able to thrive in certain spaces, so yeah its HARDLY as simple as "work hard" lol