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COVID-19

Swanee said:
We've got the idea that consumerism is the way to go- spend all of your money on stuff and you'll be happy. We've built a society where success is equal to the amount of luxuries you can buy (whether you can afford them or not).

It's also tough to be financially responsible when wages don't support it. I don't think anyone in lower socioeconomic classes choose to live paycheck to paycheck.

But I get what you're saying- plenty of upper middle class folks buy the BMW or the Lexus when they should just keep driving the Honda they already have.

How do you afford your Rock'n'Roll lifestyle?
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You missed what I was trying to convey. This is a learning opportunity, for everyone, about financial responsibility, not an easy drive by or criticism of socioeconomic class.
 
wink said:
So, $95K to flip burgers in Palo Alto?
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I mean, do you want burger flippers to be able to afford to live in Palo Alto? If not- where do they come from? Who are they?

I spent 4 months TAD to Orange County (VMU-4 is in Camp Talega on the very northest most side of Camp Pendleton). Every restaurant had "help wanted" signs in the window. They needed wait staff, cook staff and dish washers. Yet no one could afford to work those jobs and live in Orange County.
 
RobLyman said:
No you aren't. And that's my point.
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You're right. I don't know you from Adam and you're as important to me as the ~1,000 Americans who died in auto accidents since this thread started.

We haven't banned driving.

We should ban foam hand sanitizer, but for some reason the CDC is silent on that despite overwhelming scientific evidence that it's significantly less effective than soap or gel sanitizer.

We don't even have an FDA standard for sanitizer.

Instead we'll just shut down the entire economy.

Once upon a time we advocated hiding under desks to survive nuclear attacks. I'm sure that would have worked...

Failing safe is failing. And. that's what we're doing.
 
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Spekkio said:
You're right. I don't know you from Adam and you're as important to me as the ~1,000 Americans who died in auto accidents since this thread started.

We haven't banned driving.

We should ban foam hand sanitizer, but for some reason the CDC is silent on that despite overwhelming scientific evidence that it's significantly less effective than soap or gel sanitizer.

We don't even have an FDA standard for sanitizer.

Instead we'll just shut down the entire economy.

Once upon a time we advocated hiding under desks to survive nuclear attacks. I'm sure that would have worked...

Failing safe is failing. And. that's what we're doing.
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I’d tell you to quit while you’re ahead...but you have to be ahead to quit while you’re ahead.

I weep for the future of Naval Aviation.
 
robav8r said:
You missed what I was trying to convey. This is a learning opportunity, for everyone, about financial responsibility, not an easy drive by or criticism of socioeconomic class.
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We could equally tell the public writ large to stop being fat and diabetic so their bodies can fight off a fever and upper respiratory infection.
 
Swanee said:
I mean, do you want burger flippers to be able to afford to live in Palo Alto? If not- where do they come from? Who are they?

I spent 4 months TAD to Orange County (VMU-4 is in Camp Talega on the very northest most side of Camp Pendleton). Every restaurant had "help wanted" signs in the window. They needed wait staff, cook staff and dish washers. Yet no one could afford to work those jobs and live in Orange County.
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Not all jobs are meant to support someone as full time employment. I worked jobs as a teenager that I was happy to have at the time. Those jobs never would have existed if they were forced to pay enough for me to raise a family in one of the most expensive areas of the country.
 
Swanee said:
We've got the idea that consumerism is the way to go- spend all of your money on stuff and you'll be happy. We've built a society where success is equal to the amount of luxuries you can buy (whether you can afford them or not).

It's also tough to be financially responsible when wages don't support it. I don't think anyone in lower socioeconomic classes choose to live paycheck to paycheck.

But I get what you're saying- plenty of upper middle class folks buy the BMW or the Lexus when they should just keep driving the Honda they already have.

How do you afford your Rock'n'Roll lifestyle?
Click to expand...

I worked with someone like this, spent all her money on drinking, clothes and partying each weekend and didn't even bother contributing to a 401k. I shake my head.

It's all about keeping up with the Joneses even if the Joneses are up to their eyeballs in debt and can barely make their minimum monthly credit payment. But hey, we have 2 brand new cars, have the latest and greatest electronics, buy new clothes every weekend and eat dinner our 4 times a week and wonder why we can't save for retirement or handle a $400 unexpected emergency expense. My old neighbors were perfect examples of this. Wife didn't work, husband had his own failing contracting business. Between them they had 4 cars (Nissan GTR, claims he paid $100k for it (purchased new), 2018 Ford F250 quadcab platinum edition (purchased new) total bro truck, Ford Explorer for wife and kids, and he had an old Lexus IS250, still making payments on it and it wasn't even registered). That's easily $200k in auto debt. Not to mention he spent nearly every Friday and Saturday night at a casino. Did I mention his company is bankrupt? Fast forward to a few weeks ago, they got rid of all those vehicles and now he is driving a 2020 Jeep Gladiator (all decked out) and she has a 2020 Explorer. Still making those car payments and probably not a dime in savings.

When my wife and I were house shopping I didn't let the mortgage broker tell me what I could afford, I told him what I wanted to pay per month as a percentage of my pay. He and our real estate agent didn't understand why I didn't want to get the biggest most expensive house I could afford.

Back to the COVID discussion
 
johnboyA6E said:
i'm sure those are the same people that are expecting student loan forgiveness , paid for by the guy next door who didn't buy all the toys, lived within his means, saved up a nest egg and paid for his kids college
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I am consistently baffled by the stupid choices kids make with respect to college majors, only to leave college with debt and frustration on why they cannot land that straight-out-of-college-100k-a-year-job with their degree in underwater basket weaving.

Same for parents who feel compelled to co-sign their children's student loans, pay for the college altogether, tap in to their 401(k), and otherwise go in to financial distress all so their kid can go study "international business" or "psychology."

If you do not know what to study, get a finance degree. Much more useful than some of the other choices.
 
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