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It's because of his assumption that if you aren't saving a specific amount (some arbitrary amount that made sense to OP), then you're living beyond your means.
by gregd 11y ago
It's because of his assumption that if you aren't saving a specific amount (some arbitrary amount that made sense to OP), then you're living beyond your means.
- YuriNiyazov 11y agoI don't even know where to start with this comment. If you read any "how to plan your life financially" books which are not written for multi-millionaires, but the average "Working Greg", you will see that the agreed upon advice is that you are supposed to save about 25% of your after-tax earnings. I didn't make up 10%-15%, I intentionally lowered the amount from the standard advice because I knew that 25% would elicit responses like yours. Fine, forget the 10% - 15% number. Let's see if you agree with the following: If tomorrow you are fired from your job, and you can't afford to live on your state's unemployment aid for six months (that's not an arbitrary number, most states' unemployment period is 6 months) then you are living above your means.
- gregd 11y agoYou are still not understanding me. You know nothing about me or my living situation. My state's unemployment maximum amount per week is $538. That barely covers my rent each month.
- YuriNiyazov 11y agoSo, basically: if you got fired tomorrow, four people would be homeless, and 2 people would be foodless because you don't have any savings, and you consider yourself to be a responsible human. Bravo.
- deleted 11y ago[deleted]
- gregd 11y agoWhat's interesting to me is that you've made an absolute judgement call on me and my worth as a human, based solely on my questioning an income large enough to squirrel away 10-20% of my income, when you know nothing about me or what I do while walking in this world. So basically, yes, my entire family would be homeless if I were to get fired tomorrow. This has caused unimaginable stress on me, being the sole breadwinner of my current predicament. Do I wish it were different? Sure. But for you to base whether or not I'm a "responsible human" on this, speaks volumes about how you walk around in this world.
- YuriNiyazov 11y agoFor you to assume that someone who can afford to take a few months away from work is a trust fund baby speaks volumes about how you do. And yea, I stand by my statement, even though it makes me sound like a dick. How well you are prepared for "when the shit hits the fan" (in the order of most probable to least, so don't think I have a basement full of guns and canned food like a Mormon would. As far as eventualities go, getting fired is the most likely one to happen, and the Apocalypse is pretty low on that list), even if it never does, matters just as much, if not more, than what you do day to day, in my evaluation of what a responsible human is. You keep on and on about how no one here knows anything about you, and that's irrelevant. Whether someone lives beyond their means or not is not dependent on their personal situation, it's a calculation of "money in, money out". It doesn't matter that all of the things you are spending your money on are obligations, rather than toys. It just means you took on obligations in your life above your means. That's irresponsible.