What savings balance do YOU consider poor? (Savings = TOTAL at bank, checking, cash under your mattress, in your socks/safe/wall) ALL total.

TO the SILVER (under pillow) & GOLD (in closet) GUY:

Naaah: no judgements, it counts as savings SFAIC. I just forgot to add it to the collection in the title. Plus no room. But goof for you, that's helluv' impressive!


Now, where's your pillow located again? Could you please point coordinates on this map and which nights do you take melatonin?

If you're over 45 years old, you should have enough money to survive for 3 years in my opinion in these days of financial uncertainty.

Well, your story is pretty good too. Thx 4 sharing.
But HOW do you figure he gets off that "ride"??

WHY do you rich people always assume that anyone can do what you do??

It's like if I told John Goodman, Roseanne or Oprah: "Hey, I"m slender, if I can do it so can you!" THEY are wealthy and can afford the best care to lose the weight...yet they can't!

It's far easier, a MILLION TIMES EASIER to lose weight when you fat than to increase your income when you poor. Because, guess what?? Losing weight I can do on my own, earning money, I DEPEND UPON OTHERS!!!! I cannot force anyone to hire me, I have the set of skills I have, they're not marketable and that's that! I can try to sell stuff, I can't force others to open their wallet in my direction.

See? So all of you who own lands and houses and etc quit being so fkig judge-mental because you don't know anyone else's story!

All I know is I have enough to survive a few years if need be...

Working on paying off as much dept as possible now...and not taking on any more, hope everyone else is doing so.ething similar

I make about $1,800 every week after taxes working 60hrs a week, my wife makes about $1,000 every week. we live paycheck to paycheck weekly. we spend about 3k a week? lol we live in the now, we'll all die eventually, and then we will wish we had spent that time and money with the ones we loved when we had it. if the world was to collapse, or end, then what? memories are the true riches.

Last Edited by Loofakrum on 09/30/2022 05:54 PM

Poor is a mentality...and a harsh one at that...don't keep up with the Jones's

Invest in yourself, learn a skill people pay for. I would suggest welding...

I’m not, but in case of dire need, we could cover that. I just included my accounts, not my wife’s. Together we’re probably close to 2.5, maybe 3 years worth, if we spent like we do now. If we had to tighten our belts and we avoid hyperinflation it’d last longer.

Of course that’s not including taking early withdraws from the 401k.

If you hit an unlucky stretch, your final memories will be living under an overpass shooting up heroin.

That’s nearly 150k take home per year. What happens if one of you gets injured in a car wreck, or has a serious illness?

It’s like nobody fucking remembers the story of the ants and the grasshopper. At this point I’m fine with letting all the grasshoppers starve or freeze over the winter.

Yea. Rich is a subjective term. I’m more old than rich. And if you get old, you’ll realize stuff is worthless.

And I know anyone can do it. When I say we were poor I mean my wife literally had dirt as a floor.

“It's far easier, a MILLION TIMES EASIER to lose weight when you fat than to increase your income when you poor. Because, guess what?? Losing weight I can do on my own, earning money, I DEPEND UPON OTHERS!!!! I cannot force anyone to hire me, I have the set of skills I have, they're not marketable and that's that! I can try to sell stuff, I can't force others to open their wallet in my direction. “

Your quote sounds exactly like me. You wanna know the secret?

1. Drop all bad habits and today.
2. Never play video games.
3. If you have a significant other in your life and you really really love them, then they are always right. Not your job to correct the ones you love. It’s your job to love them. They’ll come around.
4. If you do or will find that significant other, never divorce.
5. Especially no smoking or drinking nor illegal substances.
6. Water and nutrition are extremely cheap. Good nutrition. The fruits and vegetables.
7. Always overestimate your debits and underestimate your credits.
8. Always work a job. For you. For others. Volunteer. Whatever it takes to keep you working and networking with others. Keep 5% - 10% of your pay permanently.
9. Now start on the pyramid of human needs. Good shelter. Good nutrition. Good water. Clothing. Once the tangibles are hit, continuing education till death, learn to love more, etc.
10. Always remember there are less fortunate and to always give thanks and be humble. I know you think I was bragging but you’ll see too if you can do these things.


But I’m telling you now, it’s VERY HARD. I’m talking decades of day in and day out work. Even when your dreams are accomplished, you get new dreams.

Last Edited by Truth Be Known on 09/30/2022 06:27 PM

This. Traits pass through a community like a virus. They can be good or bad. Obesity rips through a neighborhood. Smoking can. Drinking can. Ignorance can. Violence can. But other neighborhoods have different traits that spread. Good neighbors, frugality, hard work ethic, exercise. Not just genetics spread.

And if rich is really something you want.

Follow the instructions in this book. All of them. And you’ll have more wealth then you ever wanted.

Napoleon Hill, Think and Grow Rich.


But it’s 1000x more harder than my 10 steps.

3-6 months of expenses saved in emergency fund. Works for everyone. Peace of mind.

$120,000

Little debt

Less
Than $1000

That’s not
Much for emergencies

Not Mine & I’m Debt Free.

I have always been broke as fuck, but had a happy family life, so....

No food or electric for months at a time. Normal to me.

life goes on my guy, live now or never live at all.

Mine.

Savings is a dream at this point.

Disabled, trying to take care of disabled aging parent.

Society just wants you to disappear.

But onward I go, because it’s the right thing to do.
Not the easy thing mind you, the right thing.
Miserable stupid right thing to do.

what good will your savings do when everything collapses? the real apocalypse. mad max. I mean, savings is a concept to keep u from living, and then when you've accumulated sooo much money, bam, ots worthless, all that hard work for what? or u die, or the person u love dies, then what? wasted good times for savings?

You could use your savings to buy a cave system in the ozarks. Might give you a chance. Several to be had for a couple hundred K.

…and when it all falls down, you’ll be looking for a handout at the taxpayer’s expense.

You’re not just financially irresponsible, you’ve failed morally.

Work sixty hours a week just to live paycheck to paycheck? I don’t get it. I used to work that much and more, but I made sure to save a fair bit of it. Will retire in a couple years here, before 50.

Enjoy working till you die, I guess.

Read your Bible.

Ant, meet grasshopper.

Don’t bother attempting to warn him of the coming winter; victims of pleasure never listen.

That… was beautiful!

If you are almost always unhappy, you are poor.
If you are almost always happy, you are rich.

Dirt poor, alas (OG meaning) but Ag enough plus.
Is enough for a few years good enough? As all GLPers who've been here for a long time should have?

"If you're over 45 years old, you should have enough money to survive for 3 years in my opinion in these days of financial uncertainty."

Nothing is certain. Money could become worthless. Maybe you can't find a home. Your health could fail. Life is now, not tomorrow. It's good to plan ahead, within reason. Make the most of what you have, today.