Exactly, the lengths people will go through to justify why people are broke when in reality it's just all stuff that's out of our control Also, never take anything from fintubers seriously is my mantra now, they're all shameless shills
I agree, I sat down and went over my records(I have spread sheets of weekly expenditures from 2016 to present), for the same bills, we are paying 38-72% more. We don't have car payments/student debt/credit card debt and were fairly comfortable until 2023 and this year is worse.
@@funsizedi88 I started saving receipts in November. It's eye opening. I wonder how I spend $1200 on basic food for one single person cooking at home per month. The internet says this is "wrong" and I am lying. It keeps being random things I didn't know would be expensive until I got to the register. $8 for salad dressing, all of a sudden a small jar of roasted peppers is $5. Who expects that? I used to just throw those in the cart because I thought they'd be cheap.
@@istvanpraha Goddamn eggs are $14 for a box of 60 at Walmart!!! That's ×2 the price it was just months ago and ×3 the price before our government shut us down during COVID!!!
Strangely enough, I’m not broke. I’m actually doing quite well on a modest salary. But then, I don’t have car finance, a phone contract, any TV subscriptions, gym membership, never use taxis, never buy coffee on the move, take my own lunch to work, rarely buy fashion, and keep white goods, TVs, cars, bicycles and so on until they are beyond repair. I get my clothes and shoes repaired when they show wear, and I only buy good quality stuff that lasts a long time before needing replacement. I grow my own vegetables, and we buy everything else from local farms and farm shops, even sometimes at the side of the road (eggs for example). I rarely eat out - mainly because I can make a tastier meal from good ingredients, for less money, at home. If I need exercise, I ride my bikes - I bought them years ago, maintain them, and they’re free to use - just need maintenance now and again. Same with cars - I run a 13 yr old car, paid cash for it, and I maintain it when it needs fixing, with good quality parts. It’s not hard to live well for not a huge amount of money, if you are prepared to be sensible and think about your spending habits.
Credit cards aren't bad as long as you are financially literate and don't carry a balance. I've accumulated over $2,000 in cash back/rewards without ever paying any interest. The problem people tend to have, and this goes with all credit (loans), is paying only the minimum. Too many people get trapped in thinking the minimum due is all that you should pay. So people rack up credit card debt because the min due is so low. Video subscription services are essentially a replacement for cable which shouldn't be an expense anymore bc you can get free local channels via digital antenna. Over subscribing to all platforms is an unnecessary problem. You don't need every service.
2024 has been a terrible year. I broke my foot, my wife had to go to the ER and have surgery, my MIL that takes care of our kids, had a stroke, my AC went out and everyone is quoting $10k. My daughter had to have surgery for her tonsils, and my other one needs it too.
So sorry to hear everything you're going through! Hang in there, things will get better -- just keep doing the best you can. Sending up prayers for you 🙏🙏🙏
I had to push 5 different cancel membership buttons to escape Amazon prime after the free month. How scary and controlling they didn’t hear no the first time.
Oh, they hear and SEE you--they just make is IMPOSSIBLE because it's revenue lost for them. They know exactly what they are doing. Whether it's ethical or not.
They make it a hassle to cancel. I believe they got sued a while back because of that very reason. Supposedly they were using sketchy tactics in making it hard for people to cancel their membership
Also, they make it so unfair to sign up accidentally when they have an auto-signup button when checking out and advertise the free shipping and put the charge terms in tiny letters. My mom got hit like 3 times with a monthly charge without knowing (shes not tech savvy)
I know so many who have bought way too much house and cars! They are stressed every month over the bills that come along with it. While we can blame some things on inflation and shrinkflation but at some point you have to take some personal responsibility and decide to alter your purchases or expectations or educate yourself so you can afford the things you want in life.
I agree with you 💯. 5 years ago we moved countries and we decided to buy rather than rent as my husband qualified for a tax break. We set a budget and had a wishlist of what we wanted and needed for our new home. We were willing to do renovations to get a home we enjoy. We could have spent double, but we kept our ego in check and we are so glad that we did. We did a large renovation almost 3 years ago and we enjoy our home. We also have small electric cars that we bought second hand with very low mileage 😊
A buddy was doing a questionary about what restaurants I used in UberEATS. I told him I didn't. He was confused. I had to tell him I didn't spend money on that! Unlike him, I didn't have money to waste. I eat at home!
I like to think of subscription services as a pay decrease, because that's what they are. If you have $100-200 a month of subscription services, hell even $10, that's a decrease in your pay check. There's a reason why subscription services are always set to auto renew, because they know a good chunk of people will "set and forget."
But plenty of subscription services are actually a decrease on what people used to pay. Subscribing to a couple of streaming services is significantly cheaper than subscribing to cable, for example. Spotify is cheaper than it used to be to buy one album a month, and I don't know many people who didn't do that. There are subscriptions that convince people to buy things that they wouldn't have done otherwise, like Adobe. I don't know many ordinary people who bought Adobe Photoshop for $600 back in the day, but plenty of people will pay $50 a month for the whole Creative Cloud. And a bigger issue is things bought on credit that people have convinced themselves is just a subscription. Like the 2 year phone subscription that comes with a 'free' iPhone. But for most people, there are far bigger budgetary issues than a few subscriptions.
They are fine, if you have the time to binge on gym or TV. If you have that much time, you should either be retired, or you actually shouldn't be wasting that much free time...
@@sprinkle61 If you actually use them and get something out of them, I'd agree. Problem is, most people get a dopamine hit from subscribing, use the service once or twice, then forget and just continue paying. How do I know? I used to be that person.
@@fafa1648 Yes, the value just isn't there, unless you binge the hell out of them, and most working people really shouldn't be spending that time watching old or bad shows...
This was so good!! Financial education is so desperately needed, and it really matters who you surround yourself with. If you’re surrounded by people who have “the little man can’t get ahead” mentality, that impacts you in a hugely negative way. But, if you surround yourself with people who take action and look for opportunity and carry themselves with optimism, that’s going to impact you and your outlook and the decisions you make in a positive way. Thanks Gabe! 😊
That’s what TH-cam comments have become…everyone complaining instead of taking opportunities to up their income. They flock to those kinds of videos for confirmation bias…comments from their MacBook or iPhone (whatever is the new one)..while scrolling IG comparing themselves to others.
I work in tech. If my device works, it stays. If it doesn't work, I figure out why and fix it. I order from places that offer used goods (not food) and they are always primo, and I'm not sending something to a landfill. Keeping and fixing and buying second-hand saves a boatload of money for me.
That’s terrifying! I remember before streaming, we had a cable bill. My first wife threatened to divorce me if I cut it. Yep my 2nd wife thinks cable is a waste of money
Well, we are paying for every little thing. In the old days, no cable bill, barely a phone bill, and you only needed 1 decent job to support your family.
Well, you are living with too much extravagance to fit your measly budget 😂 "In the old days, no cable bill" - I have a heap of money just sitting in the bank, because I have no TV to watch cable on, or pay for netflix or other streaming service(s). - Reflect on that for a second, if you will -
In the old days almost everyone who could possibly afford it got cable, and it was very expensive, especially adjusted for inflation. Today, a lot of young people don't even watch TV, they watch youtube or pay 15 bucks a month for a streaming service(probably both). Phone bills were pretty high too. When I lived in Los Angeles, calling someone in "the valley," just a few miles away practically, cost as much as calling New York. It was expensive enough that we watched our minutes VERY carefully. Now I can call all over the U.S. for the same price.
One of my realtor friends told me how often he came to a home with all these piled up Amazon boxes and junk. It’s just too easy to buy things you don’t need & also the whole “I don't save because there’s no point” mindset can be a self-fulfilling prophecy.
Also the doomsday philosophy a lot of people I know live by which is I won't live long enough to need to save. I myself was living like that until a year ago I never believed I'd live long enough to need to as well. Hard mindset to get rid of health kinda goes a long with saving $ and is probably what people who believe in the doomsday theory need to focus on before they take steps to saving. Everyone is different though @@jessicah3782
I have been saying for years how we are setting ourselves up to pay high prices by buying from companies that are out to get the monopoly by selling things really cheaply. In Australia and I’m sure everywhere else big companies with lots of money behind them come in cheap and pop up everywhere and push out the little shops, then when the little shops are all gone prices skyrocket and we all complain. An added layer to that is they all sell the same items because they are cheap for them to buy in bulk and we all end up looking like little clones of each other or having houses that are all decorated the same and we lose our choices and individuality. It’s the same with online purchases allowing you to be able to return things that don’t fit etc for free. Once they have the monopoly and you can’t go to a physical shop because they have had to close due to not being able to complete with the online stores low overheads free returns will stop too. Then everyone will complain about how things don’t fit because you can’t try them on but it costs a fortune to send them back. 🤦🏼♀️We are buying into this ridiculous way of living and before long it will be our only choice.
Very on point re what Amazon has done. Prime used to be pretty cheap, but now that Amazon owns retail, the price keeps going up and up, and now they want an extra fee just to not run commercials -- on a service that used to be commercial-free in the first place! Once they've got you, they've got you, and they know it.
Look at the deductions on your paycheck. Look at the tax on whats left of your check when you purchase something. Look at the tax on things you've already paid for. Government has become way too big and expensive.
Stop buying stuff, no matter how tempting. Just groceries! Buy groceries mindfully with an eye on sales and no junk food. Cook around what’s on sale. You will see a big difference in no time.
The anti-consumerism movement has been around a very long time, the 99%/ Occupy Wall Street protests were one of many such manifestations. One of my favorite reads are the works of Thoreau, an anti-consumerist from the 1800's. Even Ecclesiastes and Proverbs go into the fact that our amassing of possessions does not produce true joy.
I remember the Occupy Wall Street movements. They happened in 2011. I was living in Boston at the time, and they called it Occupy Boston. They had tents set up everywhere. I totally agreed with what they stood for and wish that the movement hadn't died out.
I have ZERO subscriptions. No streaming services. Rarely eat out - 2-3 times a year - maybe. And when I do because it's a social gathering - I feel ripped off.
LA Fitness was the worst to cancel. Not only did I have to go into a location to get the cancellation form, then you have to mail the form back to corporate. You can't just give it to the location. I ended up paying a year longer than I needed it.
Truth! I have a few monthly subscriptions' but others I will do the trial but use a new virtual CC number that is set to expire before the next billing period so they can't charge me again if I don't want them to.
You have a point, but the majority of the blame goes to government and corporate greed. People are paying 12$ for bread and eggs. So not so much "consumerism"
My expenses since the year 2020 has jumped from 7000.00 to 12000.00 a month My mortgage is only 1200.00 and will be paid up in 8 months.our Walmart bill a month has jumped from 1400.00 to 2500.00 since 2020. Crazy!
I'm watching from Slovakia and it's similar situation. Housing prices went up so high, people teke morgage for 30 years and they are afraid of losing job. Most people don't make enough to afford these houses, minimal salary is not enough to live alone. If you live alone and you need to rent , you will live paycheck to paycheck looking for discounted foods in the supermarket
The most important thing is to have a budget you stick to. Also do an annual review of your spending. Been doing it for a decade and takes about 5 minutes of work each day. I know exactly I can spend and can plan for huge life events such as having a second child with some quick mental math. Keep things simple and automate everything related to finance as well such as paying bills and investing. You'll be wealthy slowly but steadily.
Make under 30k a year...no credit card debt..no car debit..and even my house is paid off....worked 2 jobs for 7 years in order to pay my house off early. Live below your wage...know the diffrence between a want and a need.
So you have no car, and walk everywhere? I make 60k a year and don’t buy anything I don’t NEED, and can barely pay my bills at an APARTMENT. You’re the problem.
@parkerC1990s no I own 2 cars..NO CAR DEBT..I also OWN my home outright and pay no rent...I'm not the problem...I'm an example of the solution. I worked 2 full time jobs for 7 years...renting the cheapest room available..I worked..ate..slept and Not much more in order to PAY CASH for what I wanted/needed...now for the rest of my life I can leisurely work a job I like only 40 hours a week.
Gabe I also want to add most people underestimate that money comes from others so when it comes to making money there’s always that chance others aren’t paying, I’ve learned as a freelancer nobody knows what jobs are in demand, who’s got the money and where to find these people these were the three things holding me back until I started market research and advertising, now I’m making a lot being a web developer and advertiser
This is an incisive and well presented video. Inflation and shrinkflation always disappoint me when grocery shopping. That and the unfortunately very common habit of "treat yourself" is impacting my income. Will try to stick to a budget as you suggested 😊
Easiest way to stick to a budget is to hard lock your spendable balance. Automatically throw a huge percent of your income into investment accounts and make it work with the rest.
It's also a lack of financial education in the schools. Schools intentionally don't teach us how to manage money because the modern education system was created during the industrial revolution.
THIS. I own up to everything I have done in my life. But, I will also say that I had basically NO financial education for most of my life and I had to learn things the hard way only after enduring the consequences.
I worked for corporate during the lockdown at Planet Fitness in PA. Oh they make it so you can't cancel your subscription on purpose. I was in on those corporate meetings where if people wanted to cancel, we were told to tell them they had to speak to a store manager but, the managers were told specifically not to be in the store so the customer would purposely pay for more months. People sued "PF" during the lockdowns. And should have. I'm listening in those meetings and was like "this has gotta be illegal."
Bingo... You nailed it... all these extra things that we buy... I've been saying/thinking about that Amazon/Uber example a lot lately.. low prices and then things increase... I went further back and used Wal-Mart as the example.. but also showed them as they would come in and get rid of the competition, by offering lower prices then everyone else.. calling it the Wal-Mart effect.. Best to just realize that we don't NEED all these things to live... Do you need veggie gummies where you can just eat veggies and get the same vitamins?
A number of things he touches on highlight the importance of not just anti-monopoly laws, but of those laws actually being enforced. If we're going to have a market-based economy, there needs to be an actual marketplace, not just one company who drove all of its competitors out of business by hook and by crook.
I had to cancel and replace a credit card once to stop a subscription payment. I had tried without luck to cancel it for two years emailing and calling and could not manage it. The first time I heard back from them was when the payments stopped going through on the cancelled card. 😡
He just said work smarter not harder this is great advice. As a Gen X the advice my parents gave me was similar and effective in that time "you can work more hours or you can work for more per hour, the first will kill you" I started with that advice at 17 and eventually am working in to this advice as the first got me here but I need to take it to the next level.
Very true about subcriptions. I only needed to click 1 button 1time to add something to my tv account but to cancel it, I actually needed to call their customer service.
Thank you! You explained it so that I actually understand what is happening financially in the US. Definitely need to cancel kindle unlimited and go to the library, for one thing!
Thank you for an your video. I learn so much from your channel. I think with the principal of supply and demand is why businesses can charge more. With that knowledge - I always think 🤔 it’s a way for me to cast a vote. If Amazon raises its membership price crosses past my cost comfort zone, then I can cancel it. I agree with you that customers pay for raising minimum wage - but I don’t fault businesses because the point of going into business is to make money. It’s the same reason why most of us work - to make money. Of course we can have passion and love our jobs, but in the end, we also need to pay for our selves and our families.
Houses are 55% larger than in the 1980s. People could survive on 1 income if they had a smaller house, lived closer to work so they could walk, bought older used cars instead of new $50,000 cars with $700 car payments on average and also cut all the subscriptions.
Some people aren't in the system of consumerism. I was in grad school working full-time when I was diagnosed with stage 4 cancer. I couldn't work full time anymore. My healthy nest egg was depleted to pay my mortgage and living expenses. Thankfully, I was able to graduate, but it took mental, physical, spiritual, and financial strain with treatment etc. I ended up qualifying for state medical insurance as a perk of having a terminal illness, than paying >$20000 a yr to live. So there are folks are doing the right things, but fall into unforseen circumstances. On the surface you may pass them and think all is well, but some folks are really going through it.
true. I had been on gym membership for 4 months and due to health problems I can't attend anymore, they required me to provide medical certification in order for them to cancel my sub. Now, I'm recovered, I didn't go back there
Quick tip to save canceling drama.?? Renew your credit card. Automatically cancels all subs. and they have reapply for your subscription. I do it every 6mnths you can set it up online, but if you use your card online regularly i recommend every 3mnths if you can.!
When I cut off my "friends", my investments and emergency fund grew tremendously. It's the renewed focus and reduction in expenses and debt that helps to build an investment portfolio. It also opens you up to make better friends. People want you to spend your cash or incur debt cuz it's easy
1:40 yeah Spotify won’t let you cancel your subscription from their app. You have to go to the desktop version to do it and they even say in the app oh we’re sorry we know it’s inconvenient but you can’t do it from the app. They know exactly what they are doing.
It's a mental disorder. Speaking of our parents, buying a house in the 1970s, it is $20 to $25k in burbank, CA. A brand new car was $4k. When knowing that people decades ago had lower inflation, it makes it so upsetting to live today, especially when hourly rates in the 1970s was $2.50 an hour. Do the math from what I wrote here to today's cost of living, buying a new car and home and it makes you want to cry, but what I am saying is the truth because I was alive at that time.
You are spot on about younger people thinking they can spend as much money as older people. I'm relatively old- 50- and I am just now starting to spend money, even though I have been making six figures for 25 years. I was still driving an old 1996 Honda Accord until a few years ago. Once I saved a 7-figure nest egg, I sold the Accord and bought a fancy German car that is paid for essentially by the interest I earn on my savings account. In fact, with interest rates as they are, the interest I earn is almost enough to pay my mortgage. But until 10 years ago, people looking at me would have thought I was barely scraping by.
You think 50 is relatively old? I just turned 55 in June and I still feel like a teenager. 50 isn't old unless you live a lifestyle that makes you look and feel it.
@@josebro352 A lot of that depends how physical your work and the rest of your life is. We all age out of many things eventually. And even if we can still do them, recovery time increases noticeably.
@user-ps1ft1hy4j I agree to a point. Not sure if you've heard of Cambridge, Massachusetts but it's where Harvard University is located and it's a pedestrians paradise. I just walked from one side of it to the other side yesterday. Took me two and a half hours. I'm 55 and it makes me feel like I'm still in high school. Just keep active and eat a lot of fruit l guess. Thanks for your reply.
@@josebro352 I do a very physical job that a lot of people in their 20's have trouble keeping up with, and I usually do it as well as they or better, sometimes much better. But I think they feel less sore and simply worn out than I do before, during, and after. My secret weapon is that while some of them quit and some of them get fired, I show up every day. And I've already long taken it for granted that life is tough.
The US dollar is losing value due to inflation, while other currencies are gaining strength, creating uncertainty. Nonetheless, many people remain confident in the Dollar's perceived safety. I'm concerned that my 420K retirement funds may lose value, therefore I'm looking for other financial stability.
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This is so true. So many people aren't saving money. At all. Many are actually going into consumer debt. If you look around, maybe 5% are actually saving & investing now. Then there is doom spending, another awful habit. IMO, most Millennials like me only care about getting the fancy car, eating out, travel, and social media. They've given up on owning a house, on saving for a rainy day, on investing for retirement, on bargaining for higher wages. It's all good though because AI and UBI will save us.
there are some things you can do to deal this, some obvious some less so. 1. Use Privacy generated virtual cards for subscriptions. Cancelling is as easy as just close that virtual card. 2. If inflation is stealing your purchasing power then switch to a currency that's deflationary by design. This is possible now since the invention of crypto. There are many reputable ones to choose from, bch, dash, xmr etc. Sure you have to deal with the volatility short term but long term they'll appreciate vs the dollar. Of course another option is to also buy PM.
Congratulations, *Dale Valskov* I am relieved that you are out there fighting these thugs, We musttake every precaution to protect the elderly and the general public from these despicable con artists. Congratulations to You!! You deserve the Nobel Peace Prize for ensuring our security.
Look into getting a virtual credit card connected to your own credit card. Then if you need to cancel, you can merely cancel the virtual card without cancelling your real credit card.
Went to return my T-Mobile Internet to the store...They would not accept it. Oh well, I tried, now they send me letters etc... I just want to live in a cash world again, . No more loans from banks....no more. I bought an Office Space DVD at a yard sale for cash. Life is good. tHanks for the video
The opening remarks reminded me of Niccolo Macchiavelli's quote "But above all he must refrain from seizing the property of others, because a man is quicker to forget the death of his father than the loss of his patrimony.”
Its about to get a lot worse too. Along with extremely high inflation the government is about to raise tax rates. They really need it because somehow they are running out of money but can somehow give trillions to ukraine.
@Madchris8828 Been that way for decades, though. It's nothing new. In 2024, it's Ukraine. In 2003 it was Kuwait. In the 80s it was Lebanon. The US has always been this way.
I feel that the last bull run was bolstered by all the money being printed. Major returns next bull run but I think they will be tamer in my humble opinion. A 10x on *Dale Valskov* and a 15x on polygon are fair considering how much those two coins are interwov
To say you need a side hustle to get by in "most" American cities unless you make $200K/year is absurd. You're talking about a few very expensive cities in CA and NYC, and not much else. In the vast majority of the US you can live very comfortably on $100K/year.
First: I found this this today & I find it informative & encouraging. Second: How come when words appear on screen it’s a homonym of the correct word, or it’s misspelled as in SHKRINFLATION instead of SHRINKFLATION?
"If you don't know where your money is going, you won't have any money!" Well said!!!
in london all the rich young people are massive cheapskates and i say good on them and food in london is very bad food in Bristol so good
Fast food and eating out in general kills budgets and people often live in denial about it.
Yes! The prices of food delivery services are outrageous! I simply refuse to use them. I cut down on eating out, too.
Yes I just paid $15 for a Bagel 🥯. Never again!
@@agak61 😳 That is an outrageous price! I remember a bagel and cream cheese used to cost 75¢.
@@otrebla8944 yes that’s why no more
That’s addiction right there for ya.
Rent went up 1200-2000 depending on number of rooms here. My basic groceries up 500 a month since before covid. Netflix is not the issue lol
Exactly, the lengths people will go through to justify why people are broke when in reality it's just all stuff that's out of our control
Also, never take anything from fintubers seriously is my mantra now, they're all shameless shills
This
I agree, I sat down and went over my records(I have spread sheets of weekly expenditures from 2016 to present), for the same bills, we are paying 38-72% more. We don't have car payments/student debt/credit card debt and were fairly comfortable until 2023 and this year is worse.
@@funsizedi88 I started saving receipts in November. It's eye opening. I wonder how I spend $1200 on basic food for one single person cooking at home per month. The internet says this is "wrong" and I am lying. It keeps being random things I didn't know would be expensive until I got to the register. $8 for salad dressing, all of a sudden a small jar of roasted peppers is $5. Who expects that? I used to just throw those in the cart because I thought they'd be cheap.
@@istvanpraha Goddamn eggs are $14 for a box of 60 at Walmart!!! That's ×2 the price it was just months ago and ×3 the price before our government shut us down during COVID!!!
Strangely enough, I’m not broke. I’m actually doing quite well on a modest salary. But then, I don’t have car finance, a phone contract, any TV subscriptions, gym membership, never use taxis, never buy coffee on the move, take my own lunch to work, rarely buy fashion, and keep white goods, TVs, cars, bicycles and so on until they are beyond repair. I get my clothes and shoes repaired when they show wear, and I only buy good quality stuff that lasts a long time before needing replacement. I grow my own vegetables, and we buy everything else from local farms and farm shops, even sometimes at the side of the road (eggs for example). I rarely eat out - mainly because I can make a tastier meal from good ingredients, for less money, at home. If I need exercise, I ride my bikes - I bought them years ago, maintain them, and they’re free to use - just need maintenance now and again. Same with cars - I run a 13 yr old car, paid cash for it, and I maintain it when it needs fixing, with good quality parts. It’s not hard to live well for not a huge amount of money, if you are prepared to be sensible and think about your spending habits.
White goods?
@@priestesslucyI was thinking potatoes, rice, flour, onions but am not sure
@@jacquelynn2051 I think the word you're looking for is Staple Foods.
Stuff that stores well and builds the Baseline of a diet
@@jacquelynn2051 sounds like the term you want is Staple Foods
@@priestesslucyfridge, washing machine etc
After credit cards I hate the most are subscription based services. Stay far far away from them.
Credit cards aren't bad as long as you are financially literate and don't carry a balance. I've accumulated over $2,000 in cash back/rewards without ever paying any interest. The problem people tend to have, and this goes with all credit (loans), is paying only the minimum. Too many people get trapped in thinking the minimum due is all that you should pay. So people rack up credit card debt because the min due is so low.
Video subscription services are essentially a replacement for cable which shouldn't be an expense anymore bc you can get free local channels via digital antenna. Over subscribing to all platforms is an unnecessary problem. You don't need every service.
2024 has been a terrible year. I broke my foot, my wife had to go to the ER and have surgery, my MIL that takes care of our kids, had a stroke, my AC went out and everyone is quoting $10k. My daughter had to have surgery for her tonsils, and my other one needs it too.
If you get seriously sick in America you will live (or die) to regret it. Medical expenses too high and insurance doesn’t cut it.
So sorry to hear everything you're going through! Hang in there, things will get better -- just keep doing the best you can. Sending up prayers for you 🙏🙏🙏
This, too, shall pass.
@@leinster22oh really I thought america has a nice medical system?
@@Stephen_JabsWe have incredible health care as long as you have good insurance
You are right - it's about working SMARTER, not HARDER.
💯 that was crazy for me to learn
I had to push 5 different cancel membership buttons to escape Amazon prime after the free month. How scary and controlling they didn’t hear no the first time.
Weird, I only had to click twice.
Wow! Glad I never signed up for that even though they ask every time I make a purchase. I dodged a bullet.
Oh, they hear and SEE you--they just make is IMPOSSIBLE because it's revenue lost for them. They know exactly what they are doing. Whether it's ethical or not.
They make it a hassle to cancel. I believe they got sued a while back because of that very reason. Supposedly they were using sketchy tactics in making it hard for people to cancel their membership
Also, they make it so unfair to sign up accidentally when they have an auto-signup button when checking out and advertise the free shipping and put the charge terms in tiny letters. My mom got hit like 3 times with a monthly charge without knowing (shes not tech savvy)
I know so many who have bought way too much house and cars! They are stressed every month over the bills that come along with it. While we can blame some things on inflation and shrinkflation but at some point you have to take some personal responsibility and decide to alter your purchases or expectations or educate yourself so you can afford the things you want in life.
I agree with you 💯. 5 years ago we moved countries and we decided to buy rather than rent as my husband qualified for a tax break. We set a budget and had a wishlist of what we wanted and needed for our new home. We were willing to do renovations to get a home we enjoy. We could have spent double, but we kept our ego in check and we are so glad that we did. We did a large renovation almost 3 years ago and we enjoy our home. We also have small electric cars that we bought second hand with very low mileage 😊
Eating out is the real wallet killer.
We have 50 states in this country...all of those ppl ...just figure out how to make more money.....that the key... u can still buy what u want
A buddy was doing a questionary about what restaurants I used in UberEATS. I told him I didn't. He was confused. I had to tell him I didn't spend money on that! Unlike him, I didn't have money to waste. I eat at home!
@@nathanl.4528 very smart move
Stop printing money
@@des_smith7658 Ok then, I will. Sorry about that.
I like to think of subscription services as a pay decrease, because that's what they are. If you have $100-200 a month of subscription services, hell even $10, that's a decrease in your pay check. There's a reason why subscription services are always set to auto renew, because they know a good chunk of people will "set and forget."
Which includes utilities.
The very reason I'm off grid. Solar, rainwater and composting baby.
Can't get away from the communications sub though.
But plenty of subscription services are actually a decrease on what people used to pay. Subscribing to a couple of streaming services is significantly cheaper than subscribing to cable, for example. Spotify is cheaper than it used to be to buy one album a month, and I don't know many people who didn't do that. There are subscriptions that convince people to buy things that they wouldn't have done otherwise, like Adobe. I don't know many ordinary people who bought Adobe Photoshop for $600 back in the day, but plenty of people will pay $50 a month for the whole Creative Cloud. And a bigger issue is things bought on credit that people have convinced themselves is just a subscription. Like the 2 year phone subscription that comes with a 'free' iPhone. But for most people, there are far bigger budgetary issues than a few subscriptions.
They are fine, if you have the time to binge on gym or TV. If you have that much time, you should either be retired, or you actually shouldn't be wasting that much free time...
@@sprinkle61 If you actually use them and get something out of them, I'd agree. Problem is, most people get a dopamine hit from subscribing, use the service once or twice, then forget and just continue paying. How do I know? I used to be that person.
@@fafa1648 Yes, the value just isn't there, unless you binge the hell out of them, and most working people really shouldn't be spending that time watching old or bad shows...
You can’t be emotional when it comes to money. Think what makes financial sense.
This was so good!! Financial education is so desperately needed, and it really matters who you surround yourself with. If you’re surrounded by people who have “the little man can’t get ahead” mentality, that impacts you in a hugely negative way. But, if you surround yourself with people who take action and look for opportunity and carry themselves with optimism, that’s going to impact you and your outlook and the decisions you make in a positive way. Thanks Gabe! 😊
That’s what TH-cam comments have become…everyone complaining instead of taking opportunities to up their income. They flock to those kinds of videos for confirmation bias…comments from their MacBook or iPhone (whatever is the new one)..while scrolling IG comparing themselves to others.
I work in tech. If my device works, it stays. If it doesn't work, I figure out why and fix it. I order from places that offer used goods (not food) and they are always primo, and I'm not sending something to a landfill. Keeping and fixing and buying second-hand saves a boatload of money for me.
I really needed to see this video to start being honest with myself about my spending. Thank you
Good to hear that it helped !
Time is money…. Understanding this I choose to pay more upfront /one time and avoid subscriptions.
Exactly the more debt you have the longer you have to work
I have a neighbour who spends 450 a month on extra tv stations. Shocks me. As l have freeview ...once installed no fee's. Utube is my other TV.
That’s terrifying! I remember before streaming, we had a cable bill. My first wife threatened to divorce me if I cut it. Yep my 2nd wife thinks cable is a waste of money
Well, we are paying for every little thing. In the old days, no cable bill, barely a phone bill, and you only needed 1 decent job to support your family.
Well, you are living with too much extravagance to fit your measly budget 😂 "In the old days, no cable bill" - I have a heap of money just sitting in the bank, because I have no TV to watch cable on, or pay for netflix or other streaming service(s).
- Reflect on that for a second, if you will -
In the old days almost everyone who could possibly afford it got cable, and it was very expensive, especially adjusted for inflation. Today, a lot of young people don't even watch TV, they watch youtube or pay 15 bucks a month for a streaming service(probably both). Phone bills were pretty high too. When I lived in Los Angeles, calling someone in "the valley," just a few miles away practically, cost as much as calling New York. It was expensive enough that we watched our minutes VERY carefully. Now I can call all over the U.S. for the same price.
Plus cell phone plan, internet, et cetera
For some reason on these videos, the comments are always full of the perfect people doing everything right and not struggling lol.
People have no money because they spend too much time being paralyzed by envy and held in bondage by greed.
Yes I'd say it's probably mainly instant gratification the Internet has given us may be the culprit but that is just my guess
It can be escaped. But its harder now than it was. Big companies are tough to compete with @@Slug002
One of my realtor friends told me how often he came to a home with all these piled up Amazon boxes and junk. It’s just too easy to buy things you don’t need & also the whole “I don't save because there’s no point” mindset can be a self-fulfilling prophecy.
Also the doomsday philosophy a lot of people I know live by which is I won't live long enough to need to save. I myself was living like that until a year ago I never believed I'd live long enough to need to as well. Hard mindset to get rid of health kinda goes a long with saving $ and is probably what people who believe in the doomsday theory need to focus on before they take steps to saving. Everyone is different though @@jessicah3782
Fomo
I have been saying for years how we are setting ourselves up to pay high prices by buying from companies that are out to get the monopoly by selling things really cheaply. In Australia and I’m sure everywhere else big companies with lots of money behind them come in cheap and pop up everywhere and push out the little shops, then when the little shops are all gone prices skyrocket and we all complain. An added layer to that is they all sell the same items because they are cheap for them to buy in bulk and we all end up looking like little clones of each other or having houses that are all decorated the same and we lose our choices and individuality. It’s the same with online purchases allowing you to be able to return things that don’t fit etc for free. Once they have the monopoly and you can’t go to a physical shop because they have had to close due to not being able to complete with the online stores low overheads free returns will stop too. Then everyone will complain about how things don’t fit because you can’t try them on but it costs a fortune to send them back. 🤦🏼♀️We are buying into this ridiculous way of living and before long it will be our only choice.
Very on point re what Amazon has done. Prime used to be pretty cheap, but now that Amazon owns retail, the price keeps going up and up, and now they want an extra fee just to not run commercials -- on a service that used to be commercial-free in the first place! Once they've got you, they've got you, and they know it.
Look at the deductions on your paycheck.
Look at the tax on whats left of your check when you purchase something.
Look at the tax on things you've already paid for.
Government has become way too big and expensive.
Agree, but that's not why everyone is poor. They're poor because they don't understand living below your means.
Stop buying stuff, no matter how tempting. Just groceries! Buy groceries mindfully with an eye on sales and no junk food. Cook around what’s on sale.
You will see a big difference in no time.
We have 50 states in this country...all of those ppl ...just figure out how to make more money.....that the key... u can still buy what u want
groceries went up 200% in the last 4 years
@dionbrooks4981 "just make more money" wow solved the world's problems
@slenin8088 that's the problem...got to figure it out....if everybody figure it out ...than everybody would be millionaires...figure it out!!
@@dionbrooks4981 lol
YOU ARE SO SMART YOU TEACH THIS OLD WOMEN A LOT
Really informative! We need to help everyone with good financial habits
The anti-consumerism movement has been around a very long time, the 99%/ Occupy Wall Street protests were one of many such manifestations. One of my favorite reads are the works of Thoreau, an anti-consumerist from the 1800's. Even Ecclesiastes and Proverbs go into the fact that our amassing of possessions does not produce true joy.
I remember the Occupy Wall Street movements. They happened in 2011. I was living in Boston at the time, and they called it Occupy Boston. They had tents set up everywhere. I totally agreed with what they stood for and wish that the movement hadn't died out.
Once upon your time you'd buy a cd and that's it. Ugh now we have to subscribe for everything.
I have ZERO subscriptions. No streaming services. Rarely eat out - 2-3 times a year - maybe. And when I do because it's a social gathering - I feel ripped off.
LA Fitness was the worst to cancel. Not only did I have to go into a location to get the cancellation form, then you have to mail the form back to corporate. You can't just give it to the location. I ended up paying a year longer than I needed it.
Great video. Definitely sharing this with my adult kids
Truth! I have a few monthly subscriptions' but others I will do the trial but use a new virtual CC number that is set to expire before the next billing period so they can't charge me again if I don't want them to.
You have a point, but the majority of the blame goes to government and corporate greed. People are paying 12$ for bread and eggs. So not so much "consumerism"
My expenses since the year 2020 has jumped from 7000.00 to 12000.00 a month My mortgage is only 1200.00 and will be paid up in 8 months.our Walmart bill a month has jumped from 1400.00 to 2500.00 since 2020. Crazy!
Thanks for the chuckle at the end. 😂 I so value your content, thank you for so consistently delivering meaningful and wise counsel. ❤
Glad you enjoyed it!
“learn or upgrade high value skills will improve your wealth”. Thank you for reminding ⭐️
Absolutely!
I'm watching from Slovakia and it's similar situation. Housing prices went up so high, people teke morgage for 30 years and they are afraid of losing job. Most people don't make enough to afford these houses, minimal salary is not enough to live alone. If you live alone and you need to rent , you will live paycheck to paycheck looking for discounted foods in the supermarket
The most important thing is to have a budget you stick to. Also do an annual review of your spending. Been doing it for a decade and takes about 5 minutes of work each day. I know exactly I can spend and can plan for huge life events such as having a second child with some quick mental math. Keep things simple and automate everything related to finance as well such as paying bills and investing. You'll be wealthy slowly but steadily.
Make under 30k a year...no credit card debt..no car debit..and even my house is paid off....worked 2 jobs for 7 years in order to pay my house off early.
Live below your wage...know the diffrence between a want and a need.
So you have no car, and walk everywhere? I make 60k a year and don’t buy anything I don’t NEED, and can barely pay my bills at an APARTMENT.
You’re the problem.
@parkerC1990s no I own 2 cars..NO CAR DEBT..I also OWN my home outright and pay no rent...I'm not the problem...I'm an example of the solution. I worked 2 full time jobs for 7 years...renting the cheapest room available..I worked..ate..slept and
Not much more in order to PAY CASH for what I wanted/needed...now for the rest of my life I can leisurely work a job I like only 40 hours a week.
@@nolongeranurse3369 so you make less than 30k and bought two cars, and a house alone? 😂 drug dealing might get you there.
@@nolongeranurse3369That guy is jealous, likely no self control 😂
@@davedsilva agreed...
GABE! The text negative is FREAKIN' AMAZING !! can't wait to see the rest as I'm only 8 seconds in :)
agreed! like another tactic is not being able to find where on the website you should cancel its ridiculous
I like your honesty
I had take control am responsibly for my own finances.
I plan
I pay myself 1st
I give
I save
I budget
Working great.
All the bits and pieces, how it all increases, Jesus! It's amazing how it grows!
Gabe I also want to add most people underestimate that money comes from others so when it comes to making money there’s always that chance others aren’t paying, I’ve learned as a freelancer nobody knows what jobs are in demand, who’s got the money and where to find these people these were the three things holding me back until I started market research and advertising, now I’m making a lot being a web developer and advertiser
This is an incisive and well presented video. Inflation and shrinkflation always disappoint me when grocery shopping. That and the unfortunately very common habit of "treat yourself" is impacting my income. Will try to stick to a budget as you suggested 😊
Glad you enjoyed it! I’m he whole treat yourself thing really makes like hard for a lot of people
Easiest way to stick to a budget is to hard lock your spendable balance.
Automatically throw a huge percent of your income into investment accounts and make it work with the rest.
Great content and very informative. Thank you
I dont like your videoes, I LOVE them. Thank you for sharing.
People lose money cause the system is made for rich to be richer and poor to be poorer...
It's also a lack of financial education in the schools. Schools intentionally don't teach us how to manage money because the modern education system was created during the industrial revolution.
Absolutely. We are not taught money management because we are meant to be slaves.
Very true
That’s a simplistic understanding. You can do Better
THIS. I own up to everything I have done in my life. But, I will also say that I had basically NO financial education for most of my life and I had to learn things the hard way only after enduring the consequences.
I not only learned it in school, but on my own with books. It's a shame people don't want to learn on their own.
Very informative to much consumerism .
My first time listening, and DAMN, you're great!
Always click on these videos, always feel depressed after 2 minutes
I worked for corporate during the lockdown at Planet Fitness in PA. Oh they make it so you can't cancel your subscription on purpose. I was in on those corporate meetings where if people wanted to cancel, we were told to tell them they had to speak to a store manager but, the managers were told specifically not to be in the store so the customer would purposely pay for more months. People sued "PF" during the lockdowns. And should have. I'm listening in those meetings and was like "this has gotta be illegal."
Bingo... You nailed it... all these extra things that we buy... I've been saying/thinking about that Amazon/Uber example a lot lately.. low prices and then things increase... I went further back and used Wal-Mart as the example.. but also showed them as they would come in and get rid of the competition, by offering lower prices then everyone else.. calling it the Wal-Mart effect.. Best to just realize that we don't NEED all these things to live... Do you need veggie gummies where you can just eat veggies and get the same vitamins?
Great video. I am not buying shoes this year
Great video, thank you, but if we go to work and work hard , what are we doing it for , if we can't afford the little things?
90% of the crap you buy you don't even really need. Just stick to the basics like milk, bread and eggs.
That’s it kids! We’re going to subsist off of egg sandwiches and milk and I don’t want to anyone complain about it!
Beef butter and eggs for me! I have 23 hens.
Totally! A carnivore diet saves me money and satiates
@@mikecarlton6297 eggs bet your all farting like hell lol
Chicken, Rice, Eggs, Milk, and Berries. its all i need and it covers all my micros, Fair Life is great.
Thank you just canceled my prime membership! Lol
They did warn us though:. „You will own nothing and be happy“. People were brainwashed into believing they didn’t mean it like that 😂
Being broke is a choice, it will become unbelievably terrifying should the globalists make it compulsory for everyone to be broke.
You switched to helium?!? That’s awesome!! I mine that and help keep the system up running with my nodes!
A number of things he touches on highlight the importance of not just anti-monopoly laws, but of those laws actually being enforced. If we're going to have a market-based economy, there needs to be an actual marketplace, not just one company who drove all of its competitors out of business by hook and by crook.
Excellent helpful video 🙌
I had to cancel and replace a credit card once to stop a subscription payment. I had tried without luck to cancel it for two years emailing and calling and could not manage it. The first time I heard back from them was when the payments stopped going through on the cancelled card. 😡
He just said work smarter not harder this is great advice. As a Gen X the advice my parents gave me was similar and effective in that time "you can work more hours or you can work for more per hour, the first will kill you" I started with that advice at 17 and eventually am working in to this advice as the first got me here but I need to take it to the next level.
Very true about subcriptions. I only needed to click 1 button 1time to add something to my tv account but to cancel it, I actually needed to call their customer service.
Great video!
Thank you! You explained it so that I actually understand what is happening financially in the US. Definitely need to cancel kindle unlimited and go to the library, for one thing!
Thank you for an your video. I learn so much from your channel. I think with the principal of supply and demand is why businesses can charge more. With that knowledge - I always think 🤔 it’s a way for me to cast a vote. If Amazon raises its membership price crosses past my cost comfort zone, then I can cancel it. I agree with you that customers pay for raising minimum wage - but I don’t fault businesses because the point of going into business is to make money. It’s the same reason why most of us work - to make money. Of course we can have passion and love our jobs, but in the end, we also need to pay for our selves and our families.
Houses are 55% larger than in the 1980s. People could survive on 1 income if they had a smaller house, lived closer to work so they could walk, bought older used cars instead of new $50,000 cars with $700 car payments on average and also cut all the subscriptions.
We have 50 states in this country...all of those ppl ...just figure out how to make more money.....that the key... u can still buy what u want
GRUNS did you dirty LOLLLL
Yeaaaaaa lol
But, they did get some air time as a result LOLLLL
Some people aren't in the system of consumerism. I was in grad school working full-time when I was diagnosed with stage 4 cancer. I couldn't work full time anymore. My healthy nest egg was depleted to pay my mortgage and living expenses. Thankfully, I was able to graduate, but it took mental, physical, spiritual, and financial strain with treatment etc. I ended up qualifying for state medical insurance as a perk of having a terminal illness, than paying >$20000 a yr to live.
So there are folks are doing the right things, but fall into unforseen circumstances. On the surface you may pass them and think all is well, but some folks are really going through it.
The worst lies are the ones we tell ourselves.
ITS THE ECONOMY AS A
WHOLE!!!
An easy way to cancel a recurring subscription is to put a freeze on your card until you work it out.
true. I had been on gym membership for 4 months and due to health problems I can't attend anymore, they required me to provide medical certification in order for them to cancel my sub. Now, I'm recovered, I didn't go back there
Quick tip to save canceling drama.?? Renew your credit card. Automatically cancels all subs. and they have reapply for your subscription. I do it every 6mnths you can set it up online, but if you use your card online regularly i recommend every 3mnths if you can.!
Great vid, eye opener.
Armand hammer laundry detergent at Walgreens!! I knew i wasnt losin it.
When I cut off my "friends", my investments and emergency fund grew tremendously. It's the renewed focus and reduction in expenses and debt that helps to build an investment portfolio. It also opens you up to make better friends. People want you to spend your cash or incur debt cuz it's easy
A fool with money is soon departed.
1:40 yeah Spotify won’t let you cancel your subscription from their app. You have to go to the desktop version to do it and they even say in the app oh we’re sorry we know it’s inconvenient but you can’t do it from the app. They know exactly what they are doing.
It's a mental disorder. Speaking of our parents, buying a house in the 1970s, it is $20 to $25k in burbank, CA. A brand new car was $4k. When knowing that people decades ago had lower inflation, it makes it so upsetting to live today, especially when hourly rates in the 1970s was $2.50 an hour. Do the math from what I wrote here to today's cost of living, buying a new car and home and it makes you want to cry, but what I am saying is the truth because I was alive at that time.
You are spot on about younger people thinking they can spend as much money as older people. I'm relatively old- 50- and I am just now starting to spend money, even though I have been making six figures for 25 years. I was still driving an old 1996 Honda Accord until a few years ago. Once I saved a 7-figure nest egg, I sold the Accord and bought a fancy German car that is paid for essentially by the interest I earn on my savings account. In fact, with interest rates as they are, the interest I earn is almost enough to pay my mortgage. But until 10 years ago, people looking at me would have thought I was barely scraping by.
Well done indeed!
You think 50 is relatively old? I just turned 55 in June and I still feel like a teenager. 50 isn't old unless you live a lifestyle that makes you look and feel it.
@@josebro352 A lot of that depends how physical your work and the rest of your life is. We all age out of many things eventually. And even if we can still do them, recovery time increases noticeably.
@user-ps1ft1hy4j I agree to a point. Not sure if you've heard of Cambridge, Massachusetts but it's where Harvard University is located and it's a pedestrians paradise. I just walked from one side of it to the other side yesterday. Took me two and a half hours. I'm 55 and it makes me feel like I'm still in high school. Just keep active and eat a lot of fruit l guess. Thanks for your reply.
@@josebro352 I do a very physical job that a lot of people in their 20's have trouble keeping up with, and I usually do it as well as they or better, sometimes much better. But I think they feel less sore and simply worn out than I do before, during, and after. My secret weapon is that while some of them quit and some of them get fired, I show up every day. And I've already long taken it for granted that life is tough.
The US dollar is losing value due to inflation, while other currencies are gaining strength, creating uncertainty. Nonetheless, many people remain confident in the Dollar's perceived safety. I'm concerned that my 420K retirement funds may lose value, therefore I'm looking for other financial stability.
With my stressful career, I don't have time for investment analysis. For seven years, a fiduciary has managed my portfolio, responding to market situations, ensuring for effective navigation and informed decisions. Consider taking a similar plan of action.
Do you mind if I ask you to recommend the coach you employed? It seems you've figured it all out.
My CFA, 'Leah Foster Alderman', is a well known figure in her field.
I recommend looking into her qualifications further. She has extensive knowledge and is a treasure trove for anyone seeking to manage the financial markets.
Regards. her handler was simple to locate and appears to be extremely capable and adaptable. We scheduled a phone conversation.
Yeah, if a company says you have to cancel in person then I would just tell the credit card company that they are taking my money without my approval.
This is so true. So many people aren't saving money. At all. Many are actually going into consumer debt. If you look around, maybe 5% are actually saving & investing now. Then there is doom spending, another awful habit. IMO, most Millennials like me only care about getting the fancy car, eating out, travel, and social media. They've given up on owning a house, on saving for a rainy day, on investing for retirement, on bargaining for higher wages. It's all good though because AI and UBI will save us.
I thought it was pretty easy to cancel my planet fitness membership but I didn’t move so I can understand the difficulty.
there are some things you can do to deal this, some obvious some less so. 1. Use Privacy generated virtual cards for subscriptions. Cancelling is as easy as just close that virtual card. 2. If inflation is stealing your purchasing power then switch to a currency that's deflationary by design. This is possible now since the invention of crypto. There are many reputable ones to choose from, bch, dash, xmr etc. Sure you have to deal with the volatility short term but long term they'll appreciate vs the dollar. Of course another option is to also buy PM.
Congratulations, *Dale Valskov* I am relieved that you are out there fighting these thugs, We musttake every precaution to protect the elderly and the general public from these despicable con artists. Congratulations to You!! You deserve the Nobel Peace Prize for ensuring our security.
Literaly all your subscription problems can be solved with revolut one time use card.
Look into getting a virtual credit card connected to your own credit card. Then if you need to cancel, you can merely cancel the virtual card without cancelling your real credit card.
The real reason is because $ is worht almost nothing compare to other curencies
Can we get this video to 10k likes?
I'm number 29 like😂
Went to return my T-Mobile Internet to the store...They would not accept it. Oh well, I tried, now they send me letters etc...
I just want to live in a cash world again, . No more loans from banks....no more. I bought an Office Space DVD at a yard sale for cash. Life is good.
tHanks for the video
The opening remarks reminded me of Niccolo Macchiavelli's quote "But above all he must refrain from seizing the property of others, because a man is quicker to forget the death of his father than the loss of his patrimony.”
Patrimony? What's that?
Patrimony meaning property inherited from a father or ancestors.
Its about to get a lot worse too. Along with extremely high inflation the government is about to raise tax rates. They really need it because somehow they are running out of money but can somehow give trillions to ukraine.
Ukraine, Israel, basically anywhere but their own people and country.
They are just stealing that money from the tax payers to launder it through those foreign countries so they don't care.
@Madchris8828 Been that way for decades, though. It's nothing new. In 2024, it's Ukraine. In 2003 it was Kuwait. In the 80s it was Lebanon. The US has always been this way.
@@josebro352 yeah sadly you aren't wrong
The main cab company where I live is the same price (including a truly "optional" tip) as Uber or Lyft. If I need a ride, I call a cab.
I feel that the last bull run was bolstered by all the money being printed. Major returns next bull run but I think they will be tamer in my humble opinion. A 10x on *Dale Valskov* and a 15x on polygon are fair considering how much those two coins are interwov
To say you need a side hustle to get by in "most" American cities unless you make $200K/year is absurd. You're talking about a few very expensive cities in CA and NYC, and not much else. In the vast majority of the US you can live very comfortably on $100K/year.
First: I found this this today & I find it informative & encouraging.
Second: How come when words appear on screen it’s a homonym of the correct word, or it’s misspelled as in SHKRINFLATION instead of SHRINKFLATION?