Why Americans Are BROKE
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- Опубликовано: 30 сен 2024
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I am debt free. My house is paid for. I make 50k per year. I put 15% in ira/roth through my employer. After all my taxes, insurance, etc I bring home 1200 every 2 weeks. I put 15% of that money away into other savings, I also have an emergency fund and lord I swear I'm broke at the end of the month. I go literally no where. I also have to pay 1700 a year for property taxes, 200 a year for car registration (and my cars are 24 years old). My furnace/ac is about ready to die and the cost is 17k to replace. My home is 1200 sq ft. from 1950 (Which today is worth 400k absolutely insane). Things are bat sh*t crazy. The cost of food is insane. My electricity rates keep going up. My natural gas bill is ridiculous in the winter. My water bill is obnoxious and all I water is my tree so it doesn't die . I spend money to make repairs to my house. At the end of the month I'm like where the hell did my money go.
You should be proud!!!🎉🎉🎉
Mike, you are right! Having house payments is not owning a home.
You mean a mortgage?
@@Verolader are you on the spectrum? That must be why you asked a stupid question
You never own just keep paying .......taxes
i worked until i was 70,just turned 75 and to make ends meet i live in my motorhome,of course i am on a fixed income,but i do have some cash in the bank..i would still work part time but with a very bad back i can.t,i worked very hard all my life and a lot of times i worked a full time and part time job..what others do i have no idea and at my age i do not care...
Simple greed !!!! Corporations care about money and nothing else !!!
PS The economy was great under Trump and a complete disaster under the socialism bafoons in the administration.
God help us if they’re able to stay in we’re in big big trouble also Stick to projects on your property and stay out of finances😂 😂😂
They are just too UNDISCIPLINED to commit to LIVING BELOW THEIR MEANS. Living simpler but yet happier if you cut out social media BULL SHIT.
Right on !!!!
AMEN my friend. You are spot ON. Don't live above your means. Always save money for a rainy day. 🤔🤔🤔🤔🤔
cut also idiocy of the TV bullshit
I'm retired and comfortable with my savings. When I was in my 50's I made around 100K a year and guess what ? I bought a used Ford crown vic off of Ebay for 8000.00 , drove it for 8 years and sold it for 5000.00 I lived well but below my means. Save Save Save. Do you really need that 1000$ phone? I haven't been to Starbucks in 15 years and I love coffee.
We need a big piece of land where people that want to get away from the rat race way of living can all pitch in by each investing their time and money into a self stainable life so not to depend on big corporations for electricity food housing water and material things they can make themselves on the homestead, basically the way the pioneer started village back in the 1800s
think of all these billionaires who preach liberalism and have this philanthropist facade. they could easily buy everyone land and a small home and not even notice. Every democrat actor in hollywood could buy thousands of acres with pocket change.
One way of attempting to gain some passive income is buy into some of the funds that pay a monthly dividend offered by Blackrock or the Carlyle Group.
Blaming private enterprise for inflation is ridiculous to put it mildly.
Inflation is the printing of money, which results in high prices.
Private equity is not the problem… low information thinking is the problem…. People believe what the government tells them is the problem…. Even Harris said her debate that she was coming after big business boogieman, all the while….. it’s the government!
You're right, printing money results in inflation. There's other factors driving up the cost of living as well though. Like private equity investments buying up huge portions of things, raising the prices for profit and selling. Land is now a lot more expensive than even a few years ago.
These people wouldn't be in this position if they drove electric cars 😃 lol.
By raising the debt limit, doesn't increase the national debt.
Build back better is working. We're doing great.
When I'm president I'll fix the economy.
If you vote for me, I'll give every illegal $25,000 to buy a house.
It's time we had a woman of color as president.
2028 - it's time we have a person that is mentally challenged for president.
Thank you for your vote, see you in four more years.
If you listen to people that are against Trump all say,
He's a threat aginst our democracy. Not yours.
They know they all face the gallows.
Didn't recognize you from the thumbnail. Interesting topic. Of course there are more exceptions to the rule in every generational category. I read somewhere that people over 55 are the fastest growing cohort of homeless. House prices have been insane for many years. I was trying to buy something in 2012 and the house I wanted had gone from $70K in 2009 to $300K in 2012. $370 in 2013. .Sounds "cheap" now but look at how fast it happened then. I don't have any more money now than I did then, in fact less. It's a weird situation. You have the right idea with your RV, land and a plan to build up your property.
I live fulltime in my Rv. I travel some, I park out side family members homes for visits. I boondock, It is awful. I retired in 2020, wrong year to retire. Everything went way up since I have retired!
The flu had a lot to do with it. More so than anything else. Living in the USA is such a wonderful blessing in comparison to all other countries. May God continue to bless us All.🙏🙏🙏🙏🙏🤷♂🤷🌻🏵🌸⛲
the flu scam and every year more money for arms and the country 404 have an impact
I think we need to live within our means! Most of us probably use credit cards too much! I use a credit card to receive cash back, however I always pay the bill in full when it comes. Yes I would love to splurge and spend more….however I love the feeling of being debt free! I am very Blessed, and realize some people struggle with just buying essentials! However, I think with where the economy is headed, we will have to learn to shop at stores with the lowest prices! We as Americans have been spoiled for a long time, but unfortunately all good things come to an end! Thanks for the video Mike….it is very relevant!
we are not human beings, we are not citizens, we are worker-consumers. if they paid workers too much, despite easily being able to, then the workers wouldn't work. you have to keep a critical mass of the population poor so that they always need employment.
A lot of emergency money = charge card. Great topic Mike 👍
What is poor, just because you don't have much especially money doesn't mean your not happy. I WOULD LOVE EXPERIENCE OF TRADE AND BARTER...I CAN COME UP WITH 1000 IF I STOP PAYING BILLS.
Make sense much?
@@Jeff-y4x JUST RESPONDED TO MORE THAN ONE TO COMMENT
Foreign aid in recent years
In 2022, the United States provided nearly $74 billion in aid to over 150 countries and territories, as well as 30 regional funds that go to multiple countries, and a fund for international institutions and NGOs.
Thanks to tax and spend, wealth redistribution scheme, democrats.
Delaying social security is a very poor decision, at the higher age, the money will not buy as much. Better to get it and invest, you will have much more.
have you forgot the 1000 billion every year for the war budget on purpose?
As well as supporting all these millions of immigrants .
@@rvingkeepitrolling8797 which are the result of Nato wars and coups by the west.
My hubby & I used to work over the road as truck drivers and were gone all the time and didn't spend a lot of money. When we found our place we paid cash so if something happened we didn't have to worry about our home. We tend to continue to do this. We keep our cars until they start having too many issues and are careful what we spend money on. People think there is something wrong with us for not having a lot of payments.
SOME JOBS OFFER RETIREMENT BUT IT COMES DIRECTLY OUT OF YOUR PAYCHECK, AND IF YOU ARE A PRE SCHOOL TEACHER OR A CASHIER YOUR PAY CHECKS AND RESOURCE BILLS SUCH AS RENT OR MORTGAGE, ELECTRIC TRASH WATER ETC WHICH ARE NECESSARY WON;T ALLOW YOU TO, BECAUSE IN THESE TIMES AND DAYS SHT COST A LOT MORE AND IT SEEMS THERE IS NO END.
I've heard that Legislative efforts are underway to address this monopoly like issue. Some lawmakers are proposing bills to limit the number of homes firms can buy or to force them to sell properties to individual buyers.
You should look into the Dave Ramsey program.
perfect
Why?
@@LivingFree why? It's interesting, entertaining, and you might learn something. I've noticed part of the reason most van-lifers are happy is because they are debt. free. What Ramsey promotes, plus he has a good looking daughter.
I have to have a shot every 28 days. I am receiving it from drug manufacturer at no cost. If I had to pay the copay it would be $1400.00 every 28 days.
You nailed it when you said "If your an American citizen". Millions of non citizens Illegals have come into our country in the past 3 1/2 years and the crime rate has sky rocketed. Veterans have been dislocated in order to house illegals which the government is paying for with our tax dollars. The current administration does not give a crap about anything but power for themselves. I have been retired since 2006 and back when I retired I was only 59 1/2 years old but my home was paid for and we were debt free with savings from my 401K which I had been putting money into for 29 years. I cashed in my 401K and put the money into laddered CD's. 1 Year, 3 years, and 5 years. When I first did that the interest rate was pretty good all above 4 percent and one was paying 5.5 percent but as they matured the interest rates we going down and by the time the last one matured we could not even get 2 percent so I put money into 2 Annuities for 10 years and was able to get a little over 3 percent. I also put money into a mutual fund which paid monthly. I kept it for 9 years and when I sold the mutual fund I lost $14,000.00 but I put it into a great stock that has increased $16,000.00 since I bought it and it also pays a better monthly dividend than the mutual fund did. Don't feel bad for me on that because the money I drew monthly for nine years was more than the $14K I lost. I held out to draw my SS until I was 66 years old but when my wife turned 63 we were hurting for income so she started drawing her SS early which she will be loosing money when she turns 83 which will be another 6 years from now. When I first retired we were able to travel some and go out on a regular basis but for the past 3 years we have not been more than 200 miles from home about a half a dozen times because we don't have the extra money to do that anymore. The value of our home has just continued to go up up up so even thought my taxes are frozen we are having to pay more property taxes. The land our home is built on cost $10,500.00 when we had our home built in 1981. This year the tax assessor has put the value at $87,000.00 for just the land. I won't even tell you what they say my home is valued at. I will say that from the time I turned 65 and froze the school taxes I was paying taxes based on $150,000.00 less than I am paying today. Something is going to have to give. Our car insurance and home owners insurance has also taken a big jump. Our income has pretty much stayed the same expect I do try to invest a few hundred dollars more in the market to make a few more bucks on dividends each month. Because of our age our medical expenses have continued to go up and my wife is diabetic and her medicines are costing more every year. At this rate it will not be long before we will have more month than money to make it to the next month. So far we are better off than most since our current unpaid debt is less than $15,000.00. Any one of our 3 CD's would more than cover that and we could be debt free again but how long would that last if prices just keep out running our income?
I had a home and land paid for my dumbass didn't know what was coming i sold everything bought a RV what a mistake, but right before everything went up i bought another house cheaper than rent but unless i hit the lottery I'll be paying a house payment until i die even so when everything is paid off you still have Land taxes every year so in reality you never own anything. Food is more expensive but they've cut back on the amount you get as well. Has anyone noticed how the produce is smaller and half bad seems you can't buy good food anymore. Meat is much tougher and i don't care how you cook it. They're now making mechanically made meat and even if it's not made they aren't giving good feed to the animals now. $ general cost more than Walmart. My light bill has doubled in the last year it's crazy. I'm 63 disabled and still work almost every day and still can't seem to make it i also get a retirement check it's never enough.
I have been following you for 3 years. I am 69. I have a rare form of cancer. I still have to work to get by. I never thought I would still have to be working at my age. I guess I will be able to retire, when they throw that first shovel full of dirt in my face.
I very seldom shop at Walmart except when I can’t get what I need from any other business in my area . I shop at my local Safeway am a member of the “club” . I eat a carnivore diet. I buy bulk eggs and meat when it’s on sale and it saves me a ton . This allows me to have what I want on hand without paying full price for my food. My income is from a government retirement I paid into plus some social security. My after tax is about 55k I do have a small house payment but it’s way cheaper than local rent . My utilities avg about $250 a month for gas electric water trash and internet. My vehicle and property insurance is about $150 a month. While not rich I get by just fine. My goal is to start a small business and pay off my house
Funny thing, the ads playing during the video are for predatory credit cards.
That is built in comedy
Haha really? Well, I don't control that.
I retired at 55 from a union job after 30 years with teamsters union with full pension and at 62 got my social security now 66 years old and no debt 2 properties paid for single got multiple vehicles paid for I got an expensive hobby I love classic muscle cars and love restoring them My daddy always said don't enter that race to see who dies with the most money in the bank enjoy it he died the a year ago at 90 the day before he died he was smoking the tires off a 70 Torino cobra jet sipping moonshine and hitting a joint 😂😂😂
Private equity practices are not new phenomenon. I doubt they are major contributor to the post-Covid hyper inflation situation. There are instanced where some private equity bought hundreds of houses in Austin, Texas and now they are taking major hit due to market tanking and selling houses at 2/3 of what they paid for.
Hi Mike !
I don't know if You remember Me , We met in May .
I am disabled and have to live on $1050 a month , I am not allowed to make any $$ without it being deducted from My disability payment and it isn't easy . I have been doing everything I can to reduce cost's but in VA. everything cost more ! I am planning to become an Arizona resident when I come out in November.
Any advice You can give Me will help.
Thanks, George { traveling hillbilly }
Apparently a lot of Americans emigrate to France where they'll both welcome you, and you'll get more value for your money, free healthcare et cetera.
@@themartinandersson WHY would I want to move to France ?? I am an American and don't even speak french .
If I am not happy with something I try to change it , not run away !
If you are of retirement age and dont have extra money in the bank to cover above your ss or pension, Im sorry but you are ths only one to blame.
We all have been taught to save for a rainy day or retirement fund and if you didnt then get a part time job and deal with it properly.
You are not alone and it could be worse. Things will work out and stay positive.
Lots of Beggers
I work hard my whole life life retired home paid off years ago a good monthly income for life few hundred thousand dollars in bank only pay utilities and taxes maybe total 500 a month still leaves about 4 grand a month to eat and injoy life and still growing my savings monthly pay cash for everything upfront you need to put in the work to retire comfortably
One of the big problems with buying a piece of land and living in an RV are code restrictions. These restrictions force folks to live way out in the boonies which make it difficult if you are raising a family.
Man i get this. Big reason I moved into my little place @ 550.00 a month.😊 I happy .. and can afford to put money away
We been allowing the private equity to this price hikes for decades. We r told to just do this or that to survive. Well thats wrong, we need to get out onto the streets & protest about it. Quiet letting them keep doing this. We accept all the regulations they put onto us. We keep paying the high prices. If we all stop pay the high prices this can't continue to go on.
Stop believing what they tell u. Stop bidding for real estate against each other.
Those who hv land share ur land, grow food & share to feed your neighbors and build our own resources. Do trades for what u hv with ur community. Walmart will suffer if we come together as a community.
We r so individualized, scared & divided ... That's how they hv us trained to do what they want us to do for their agenda. Divide and concord as the saying goes.
Covid time really isolated us & put such fear in us. Wake up! Look deeper really what is happening & what is true?
Political votes will not change what is happening. They r playing us. Vote for u & don't believe what they promise to do for us. We the people r the savior, not politicians no matter witch side. They haven't cared nor changed a bleeping thing for decades!😡
Take your financial advice from someone wealthy if you can't figure out investing.
we own our home and our debt free. We are on our third
home bought this one for 300,000 and it’s worth550 to 600,000 now. A home is like a bank account you build up equity in your home and there’s ways to get around high interest like paying more towards the principal and paying 1/2 Mortgage twice a month.
PS Retired military retired state private retirement account
Sorry this video was not for me. I watch your videos to relax not to get more stressed out. Later gator.
You can always call mom and ask her to read a bedtime story for you.
Mike if you're reading this, I and so many others are intelligent people and we appreciate both your humor and capability to analyze society. It means a lot. This video was very fun, entertaining, and educational to watch. Please keep it up! I loooooove seeing your reaction videos.
@@themartinandersson no need to be a Jerk, I was texting Mike not you, you obviously don't understand humor 😜 🙄 😉
This is what happened to where I work now. We are a multilevel retirement community that was non for profit. We now are owned by a private equity that IS for profit. Many have been put on salary with cut hours. They re insurance is so expensive hardly anyone can afford it. I don’t see any raises in our near future. I have been there for 22 years and if it wasn’t for the relationships with residents I work for and some really great co workers , I’d quit. But the sad part is that company would not give one shit if I did even after being a loyal employee for so long. I can see how in other jobs without the close connections they just leave. It’s really a sad situation for everyone but the equity company.
i lived in my RV for about 4 yrs. then i remarried and she was smart with her money and they lived happily ever after.
This happened to my Veterinarian Clinic. Now owned by corporate. One of 500 other Veterinarian clinics now! So expensive! Trying to find a privately owned Vet. Only 2 left in town.
@@dmc522 Paint and body shops will not look at your car unless it's an insurance job.
I'm recently retired, I'm a gen Xer... I worked up north I receive a pension I have rental properties. I'm set for life by holding a union job 30 years. I love my life I still want to live off grid even though my home is paid for because I rather do other things with my money. I hope more people join union companies with pensions and 401k plans which I have both. Because I always worried about financial security when I was working. I'm very blessed to be an American and living my best life.
In Canada tent cities are in every province. Government is giving money to immigrants and people born in Canada are starving
I agree and a huge issue is that anti trust laws have been ignored for decades. Labor unions were destroyed so labor has not used its power to bargain for fair wages and benefits such as health insurance and paid time off.
Americans must take back our power and elect people into office who are not paid off by corporate lobbyists.
we tried that in 2016 they accused him of treason, impeached him, prosecuted him, and tried to kill him.
That 28 y.o. pundit didn't own a home - she simply had her name on the mortgage.
Not trying to steal her thunder, but come on now.
I agree.
Had some bumps on the road, but I am doing fine.
Government has done this to us, and corporations. Something big is happening.
Thanks joe.....
Very interesting thanks for this information. I had not made the connection of why prices on homes had skyrocketed. I know one thing I have always felt like home ownership is all smoke and mirrors. You never really own the home because of Taxes. I have in my lifetime watched two good friends lose their homes they had lived in for decades. Due to illness and getting behind on taxes. I guess that also has a lot to do with location, and bad planning but still these two individual situations were so sad. People can't live on SS and afford high property tax. Thats why I love the idea of owning an RV and a small affordable piece of land like your doing. It's smart. But soon will end up over priced as well.
My husband passed away 3 years ago. He had us deep in debt. I feel like I am doing ok now by myself because I know what I can and cannot buy. The only thing now is that I don't own or live in a home that is mine. I do have a camper, I could live in that if I need to. My kids scare me with the way they spend money and are in debt. Their house payments are more than I ever made in a month. They are all hard workers tho so I guess I shouldn't worry.
She looks like you shaved and a wig
Yes, I noticed that some things I used to buy isn't the same. The size has gone down and ingredients are missing so it doesn't taste like it used to.
You mean like the old 3 sleeve of cookies that is now 2 sleeves but costs 25% more ?
A Pei firm outbid me on 2 homes in Florida. They wound up buying the whole neighborhood. So I decided to hold off on another Florida home right now. I have roommates at my Florida residence to off set my expenses. You need to be involvedin the game in order to survive.
I am good. Just the yearly property tax. $100. Home and property paid off.
Tax free, free solar power too. No utility bills.
your can thank BIDEN
when I was young and broke I worked my ass off. after 40 years Im no longer young.
I'm trapped 😭...bu
bartering would be great
First comment! Woot woot!
Home, what's that? 😂
I'm thankful that we worked 45 years, saved, and had some investments, and 401Ks. Lived way below our means to save, still do. We paid everything off way before retiring. I can see how it is easy for ppl to live way above their means, get in a hole, never get out. We don't waste a lot of money eating out. Healthier, usually to eat in. We have probably each bought 5 specialty coffees, ever. I will be very sad if we end up with socialized medicine; wait way more than a couple weeks for an appt. Ppl need to really educate themselves well, before this election, and vote early.
Sad times. 😭
Everything sucks! Just squeezing by with house paid off.
Then why are you barely making it if no rent or house payments? Oh! Obiden gas and groceries, forgot about that.
@@gsp49 Plus property taxes are going crazy.
I am currently 61 I can't get full SS til 69 Mike and they now want to push it up to 70 for younger people like you, (They being republicans)
They = 2 thirds of rhino Democrat Republicans and 100% of the Democrats. Fyi..... stop watching abc,cbs,,nbc, msnbc, cnn, fox, espn, pbs, they all lie. All corporate owned by BlackRock- vanguard by stocks, .....private equity.....
Oh, abc is owned by Disney also a woke company and I think BRock, owns majority of it stock.
....look it up BR and VanG.... own everything in majority of stocks. Health insurance, lumber box store, medical companies, medicine companies, vaccine companies you name it.
They being ALL politicians, they're all crooked, both parties!
I hope you showing this gets thru to some people.
The money goes to the broke country 404
Especially in the Austin market.
The poor are poor because they are supposed to be poor. When you make poor decisions with your money, or do not make any effort to earn, then SAVE some money. You can bank on being poor.
Middle class income is very dependent on where you live, here is what a large media network wrote: Middle class is commonly defined as earning between two-thirds and double the household median income. That means on a national level, the middle class includes households earning between $53,740 and $161,220 a year
Unfortunately there’s no more middle class, I blame this current administration for the inflation . My neighbor is 66 , her social security isn’t enough so she working full time . I believe even if Trump is elected, the economy will take years to recover from this mess. I also believe another 2008 market crash is incoming soon. I agree Mike be careful of buying food, some of it is poison, like cereal.
😵💫
Reminds me of Star Trek.
Spock say's: "Your thoughts to my thoughts. My thoughts to your's."
And 7 of 9 say's: "We are Borg. Resistance is futile!"
Yeah, that's the way it's going. Thumbs up!😎👍🖖
Life is like a poker game, if you win everything you have nothing of value due to no one has money, you have it all now and it is worthless! The only way to get reinstated in the game is LEARN TO VOTE!
Well done Mike. I know from a past video you are a believer in PMs. Too bad most not.
PMs?
@@LivingFree "Precious metals" I think.
@@deanschremp
Yessir
I live below my means. Dont travel. Old car. Cheap house.
Has it been working for you? I mean are you able to save money and live with less stress?
@@LivingFree yes i make decent salary but my fixed expenses are low. Sounds like a crazy cat lady but i do this so i never worry that my cats wont have a home. I bought my house in 2010 and slowly improved it. I do pretty well with stocks.How about yourself? Yes im not stressed about bills.
"living below our means" would be living in a van or a tent, which is now illegal in a lot of places. a mortgage on a below average house is over 50% of the median income in the US. Meaning the majority of people cant possibly afford a house at all let alone have the choice to "live below their means"
$20.00 has lost approximately $18.55 in purchasing power due to inflation from 1998 to 2024. This highlights the importance of investing; simply saving money will result in a loss of value over time. Avoid debt and consider buying physical gold, silver, and Bitcoin. These are investments you should have considered years ago.
Well done and thoughtful video. Thank you.
That corporations equity bs reminds me of how Rockefeller ran Chevron
The country's screwed.
Until after the war, then we can start over without the trillions of debt and fiat dollars.
We need more %^$# people in charge, that will fix it !
hello friends......I didnt see you there :)
I am so glad I bought my house when I did. I bought it in 2006 for 60.000. its now worth 240.000. unbelievable.
Only if you sell, then whatever you buy next is vastly overpriced. Only thing you're doing is paying much higher property taxes
IN REALITY YOU REALLY DON'T OWN ANYTHING, EVEN IF YOU PAID IT OFF. UNLESS YOU REALLY KNOW BLACKS LAW YOU WILL LIVE BY WHAT YOU WERE TAUGHT. I REALLY CAN'T TOLERATE LISTENING TO CONDESCENDING YOUNGSTERS...
Blacks Law is very interesting. And are you typing in all caps for attention? Or so you can see the characters better? Also, who's being condescending? The truth is not condescending. Take care, God bless.
Monday is Coming!😊😊😊😊
If you were born in the USA, you are not broke. Study about how they created a trust with your birth certificate, UCC article 3, what happened in 1933, and how to properly indorse negotiable instruments.
if this were a thing then people would do it
@@ifyoudisagreeyouarewrong We we’re never educated properly.
Bartering
It looks like your having trouble coming up with your own videos.
He is inviting us to participate in his everyday life, like a real vlogger. How much entertainment have you given the world?
And these videos are great by the way. Go away, troll.
The only reason the boomers say to "suck it up and work" is because they need someone to take care of their geriatric butts.
go away,FAR FAR AWAY.....
Shine shoes wash car. Ect 😸
I audit my spending every few months and I always seem to find something I can change or do. It reminds me to get back to grocery shopping Whole Foods I always end up drifting to prepackaged meals and takeout. This time I went wild. Cancelled Verizon for Visible and paid a year up front, cancelled home internet since visible works great for hotspot in my rural area. Immediately saved $170/month out of pocket. Also told myself to break the coffee habit each morning. I enjoy super creamy coffee and the addins and cans of ready made were costing me $100/month. Paid off credit card $90/month. So after this audit I lessened expenses by $360/month. I know most people can’t do this it just works well for me not having internet etc. I have streamlined to 7 expenses each month. No subscriptions no nickels and dimes. Just cash grocery gas mortgage(includesinsurance) loan 1 loan 2 utility (gaselectric) and city(watersewergarbage) I guess it goes back to keep it simple stupid. I used to get so annoyed when you start
Listening to an influencer that might have something smart to say that’s helpful to getting out of debt and saving and then they say don’t get coffee cut the cable. How about make and maintain a budget, how about establishing an emergency fund.
What I’m seeing most of lately is people that we think aren’t willing to work, but really they are unwilling to take a job “beneath them”
Entitlement mentality...