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If you make little enough and live in a major metro area its pretty easy to burn through any savings you have. I have several friends now in their 40s now that

If you make little enough and live in a major metro area its pretty easy to burn through any savings you have. I have several friends now in their 40s now that used to continually cycle the steps of: lost job -> spent savings -> debt -> got job -> payoff debt -> generate savings -> lost job -> ... At some point they just lost hope. I can't blame them for racking up debt if the system lets them continue. It sounds better to continually pay off debt and enjoy life instead of to continually pay off debt and not enjoy it.

lcall 7y ago
I am not selling anything (maybe some software someday, but that's a different topic). But I think about things like this a lot and have posted many thoughts, over time. I hope you don't mind but this is my best work in this area, so far, over some years. (Truly, we do not need to be alone, or give up. I have been thru many things that ... leave me grateful now. So I hope this can be useful to someone....) There are people who can help, with guidance, and in other ways. One list (many resources): http://lukecall.net/e-9223372036854601245.html http://lukecall.net/e-9223372036854601245.html . Another (having the Church as help in life): http://lukecall.net/e-9223372036854581807.html http://lukecall.net/e-9223372036854581807.html . Another: extended family. Another (general life lessons and resources found, including overcoming addictions, but much more): http://lukecall.net/e-9223372036854592298.html http://lukecall.net/e-9223372036854592298.html . Another (pray): http://lukecall.net/e-9223372036854585359.html http://lukecall.net/e-9223372036854585359.html . I have learned by long and much-repeated personal experience (the easy way and the hard way) that prayer makes a huge difference, if we are willing to do our part and be obedient to God when we know what we should be doing: http://lukecall.net/e-9223372036854580889.html http://lukecall.net/e-9223372036854580889.html . And how I learned that: http://lukecall.net/e-9223372036854587400.html http://lukecall.net/e-9223372036854587400.html . More resources (better than the above stuff): https://providentliving.churchofjesuschrist.org/?lang=eng https://providentliving.churchofjesuschrist.org/?lang=eng Wishing the best for everyone in tough circumstances (which seems to be all of us at one time or another)! (edits: minor fixes, add the providentliving.org url.)
- sharkmerry 7y ago
  Is this SEO spam? Every comment seems to have numerous links in it
  - lcall 7y ago
    Maybe an alternative could have been to make one page with all those on it, so just one link (but I was getting tired). :) Edit: Another way to see it is: I have a lot to say, but rather than put it all here, I link to it, when it seems relevant and like it could be helpful.
  - lcall 7y ago
    No (but I can see why you ask). It is my simple attempt to share info that helps people. I have put a lot of work into it, and each part seemed relevant to the discussion (which is what motivated me). It is easier than posting the notes every time. Again, there is nothing for sale there. If you look at the material and have suggestions for how best to answer questions without pasting long paragraphs I have already put elsewhere, or other suggestions, I appreciate that.

lcall 7y ago

I am not selling anything (maybe some software someday, but that's a different topic). But I think about things like this a lot and have posted many thoughts, over time. I hope you don't mind but this is my best work in this area, so far, over some years. (Truly, we do not need to be alone, or give up. I have been thru many things that ... leave me grateful now. So I hope this can be useful to someone....) There are people who can help, with guidance, and in other ways. One list (many resources): http://lukecall.net/e-9223372036854601245.html http://lukecall.net/e-9223372036854601245.html . Another (having the Church as help in life): http://lukecall.net/e-9223372036854581807.html http://lukecall.net/e-9223372036854581807.html . Another: extended family. Another (general life lessons and resources found, including overcoming addictions, but much more): http://lukecall.net/e-9223372036854592298.html http://lukecall.net/e-9223372036854592298.html . Another (pray): http://lukecall.net/e-9223372036854585359.html http://lukecall.net/e-9223372036854585359.html . I have learned by long and much-repeated personal experience (the easy way and the hard way) that prayer makes a huge difference, if we are willing to do our part and be obedient to God when we know what we should be doing: http://lukecall.net/e-9223372036854580889.html http://lukecall.net/e-9223372036854580889.html . And how I learned that: http://lukecall.net/e-9223372036854587400.html http://lukecall.net/e-9223372036854587400.html . More resources (better than the above stuff): https://providentliving.churchofjesuschrist.org/?lang=eng https://providentliving.churchofjesuschrist.org/?lang=eng Wishing the best for everyone in tough circumstances (which seems to be all of us at one time or another)! (edits: minor fixes, add the providentliving.org url.)

sharkmerry 7y ago
Is this SEO spam? Every comment seems to have numerous links in it
- lcall 7y ago
  Maybe an alternative could have been to make one page with all those on it, so just one link (but I was getting tired). :) Edit: Another way to see it is: I have a lot to say, but rather than put it all here, I link to it, when it seems relevant and like it could be helpful.
- lcall 7y ago
  No (but I can see why you ask). It is my simple attempt to share info that helps people. I have put a lot of work into it, and each part seemed relevant to the discussion (which is what motivated me). It is easier than posting the notes every time. Again, there is nothing for sale there. If you look at the material and have suggestions for how best to answer questions without pasting long paragraphs I have already put elsewhere, or other suggestions, I appreciate that.