Thread 61181904

Chatgpt just told me "reality check; most americans live paycheck to paycheck and can't afford a $500 expense"

>>61181904 (OP)
>most Americans
Every western country has this problem

I work in a warehouse so it's true for most of my coworkers but I doubt it's true for most people

>using commieGPT
it was your own fault all along

>>61181904 (OP)
Unironically true, most people would come close to killing themselves if they had to pay 5k out of pocket

>>61181904 (OP)
and?

>>61181904 (OP)
This doesn't mean anything. Living paycheck to paycheck doesn't mean you don't have investments you could cash out if you absolutely needed to.

>>61181918
Even in a warehouse this shouldn't be the case unless you have a family to feed

>>61181904 (OP)
yes. this is me. you dont realise how fucked it all is.

>>61181956
most people have a family here
it's mostly immigrants and poor people so they breed like crazy

>>61181950
ah yes all these 18 year olds wiht 80k in the bank. met so many of them.

At any given time in the last five years I have not had more than 4000 dollars to my name
Usually its about 1500

>>61181921
it was haiku 3.5 but same thing

>>61181942
How the fuck do people pay for shit? Just use credit card debt all the time? You're not spending $500 every day but its not exactly an anomaly.

>>61182053
>Just use credit card debt all the time?
yes lol. you thought we werent owned by jews?

>>61182053
Wageslave till crisis happens then fall apart and die basically, wow crime happens cause poverty exists and we have a shitty system to institutionalize people to be unapologetic hedonist slaves wow wow wow

how the fuck is that even possible? below average americans make something like 60.000$ a year, right? That's 5000 a mounts. Even if you spend like third of it on rent, what exactly can cost you 3000 a month?

>>61181988
It’s 18-35 you fucking retard.

>>61181921
artfag got mad
>>61181904 (OP)
Mostly true — about 55–65% of Americans live paycheck to paycheck, and roughly 35–40% couldn’t cover a $400–500 emergency in cash. So the claim is broad but directionally accurate.

>>61183096
The average person is in a ton of debt and has zero impulse control. That said, >>61181904 (OP) this shit is largely a lie because it doesn’t account for anything that isn’t pure liquid cash sitting in a checking or savings account and also includes the legions of EBT goons and drug dealers who are poor on paper but subsidized by welfare and cash from illicit activities and wouldn’t realistically pay for an expense like that in the first place

>>61181912
Nah bullshit. Your credit culture is abysmal compared to EU.
OP fact is still bullshit tho.

But they have $500k in their retirement accounts

That's ridiculous and probably democrat PR.
This would mean that when people get sick, or need home/car repairs they can't get what they need, which is obviously not happening.

>>61181904 (OP)
>can’t cover a $500 expense
makes it sound desperate but the fact of the matter is that it’s trivial for them to get $500 of debt, and they’re living paycheck to paycheck because they spend all their money paying down debt.
they can cover as big an expense as mr. goldberg will let them.

>>61183210
What do you think the average person uses their credit card for?

>>61181904 (OP)
My childless neighbors order in door dash on a regular basis,
I have a brother in law who lives with his parents refuses to get a GED and spends money on chewing tobacco, and is shocked at how hard it is to save up for a pickup truck.
I think a lot of people have something they don't want to do to free themselves of financial bondage.

>>61183210
thats what I thought
>>61183273
a lot of people don't even have credit cards they just use debit cards

most americans would be able to afford a $500 expense if they just sold their homes

>>61181950
Like 95% of the """wealth""" in all of these categories is car + house. Not exactly things you can just sell as soon as you need to finance your next injection of goyslop

>>61183096
If I work 40 hours I make close to 30k as a wagie. I moved back in with my folks a while ago and now only work 4 days a week, usually 26 hours. I'd recommend it to any poorfags.

>>61181959
that sucks man

I mean I get that you feel "it" is fucked but "it" is just nature. Your soul was trapped on prison planet just at the precise time to make sure that your life was spent striving against others. You knew this before you were born. You went to exist in a time where ultimate glory is a possibility instead of "pretty good times" was the norm. Sure, on this side of the veil its all confusing... that's the point.

You dropped on school.
Now pick up that gear and run you noob

>>61183096
I make $51k a year and have $17k in my bank account. I also max out my ira and my 401k match every year. Probably save between $1400 and $1700 a month not including contributions to retirement. I don't know how so many retards live how they do.

>>61181950
This is fucking grim

>>61183096
It's fake news from a scam website called Bankrate. The median American has $6,000 in cash.

>>61184006
That makes a lot more sense. Flagship phones now are like 1000 dollars and most people seem to have those.

>>61183936
You wouldn’t even be able to afford my mortgage on your salary.