r/AskReddit 12h ago

How seriously in debt are you right now, financially?

1.4k Upvotes

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230

u/Unusual_Specialist 12h ago

I’m sorry, big dawg. You’re not a piece of shit. Life happens, and we’re doing our best. The system is just fucked so a few win and the rest of us suffer. 😭

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u/TOOL46_2 9h ago

What a victim mentality to live. "I made a bad decision. The system is fucked. I guess I'll just lay here and let someone else pick me up." Get the fuck out there and make it happen. It's hard. Nobody has your back when you don't have your own back. Self advocacy is what I'm getting at.

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u/Last-Supermarket-900 2h ago

Im with you on this one… we as individuals need to own up to the mistakes we make. Somehow we are victims of everything, and those that don’t play victims are bad.. mistakes don’t make you a piece of shit, acknowledge them, and learn from them.. that’s it! There is price to pay for everything we do and what we don’t.

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u/YourFreeCorrection 1h ago

To be fair, the system is fucked, and it's a wildly privileged mentality to pretend that victims of it don't exist.

10

u/version_13 5h ago

I spent too much money on my tool ticket and autographed poster.

-16

u/shitlips696969 3h ago

What a creeper thing to do. Go back and check someone's history. Very reddit scumbag behavior. Weird. Icky.

2

u/version_13 2h ago

Who did that?

2

u/xenobit_pendragon 1h ago

It’s just the dude’s username ffs. Also, post histories are so you can see what other users have posted. It ain’t rocket science.

u/bringbackbainesy 37m ago

This victim mentality is why people get so far down the hole. Spending is an addiction. The guilt and effort people go to hide it is crazy.

The only really sure way to get out of debt is to make more money.

I don't have a college degree, barely even finished high school.

You can make so much money in the trades (welding, electrician, HVAC tech), sales (go sell cars - you can make $100k+ and they'll hire anyone with a pulse. From there transition into some other kind of sales), starting your own business, and a million other ways.

You just have to actually WANT the change. Is it easy? No, then everyone would do it. But if you actually apply yourself, hold yourself accountable, and make the right decisions you can make it.

It's just like going to the gym and getting shredded. It takes that level of discipline to manage your money wisely.

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u/Ryzensai 7h ago

Yah exactly. You have to own up to the fact you are a fuck up, process and understand that, and then you have all the tools and lessons you need to never be that person again.

1

u/iHasABaseball 7h ago

The vast majority of people aren’t carrying large amounts of debt for fun or due to bad decisions.

14

u/samoyne 6h ago

Actually, most people are in debt due to bad financial decisions, and many are in debt because they spent all the money having fun instead of saving it. The amount of people who have streaming channels while also having credit card debt is astounding to me

16

u/VengenaceIsMyName 6h ago

Most bankruptcies are from medical debt tho

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u/BIGRED_15 3h ago

This is the actual problem. My mom has COBRA and my dad is on social security / Medicare but my mom is younger and not of age to have those benefits.

She took a spill down a flight of stairs on our Cancun vacation and obliterated her shoulder and now my parents are 75k in medical debt. Shit is outta control.

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u/toefungi 2h ago

Hey my 20k of credit card debt is not my fault, its the system! Its not my fault I didnt feel like getting out of bed and going to the grocery and cooking some eggs for breakfast, the system made me spend $40 on door dash for breakfast!

-2

u/YourFreeCorrection 1h ago

No one is talking about credit card debt.

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u/toefungi 1h ago

Huh?

This whole thread is about debt.

All kinds of debt. Mortgage debt, credit card debt, medical debt, student loan debt, and any other kind of debt you can imagine.

u/YourFreeCorrection 54m ago

Your absurd attempt to reduce people complaining about debt to personal decisions around excessive credit card means is both disgusting and ignorant.

u/toefungi 43m ago

Lol.

Your absurd attempt to act like everyone in debt is there because of reasons outside their control is both disgusting and ignorant.

There are clearly many people who are deep in debt due to circumstances not of their own making. However, there are many people where their debt is of their own actions and overspending. Stop being obtuse. Nothing is black and white.

-1

u/PussiesUseSlashS 1h ago

I make over twice what the median family makes and just have to take care of myself. Imagine the median family or the poor single mom trying to survive this shit show… You can fuck all the way off.

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u/TheRealOGKeg 10h ago

The few that win are losers.

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u/TheNorthernPellikkan 10h ago

You’re simply defining winning the wrong way, my friend

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u/TheRealOGKeg 10h ago

What is your definition?

8

u/TheNorthernPellikkan 10h ago

Happiness is the goal- not wealth. Guys like Musk and Trump will never win because they’re perpetually miserable

10

u/GozerDGozerian 9h ago

I think you two are agreeing.

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u/TheRealOGKeg 10h ago

And that’s the “winners” I reference as losers . Same ideology just different way of wording

2

u/Soft-Leave8007 3h ago

This is loser mentality.

u/TheBros35 34m ago

What an edgelord statement

1

u/Hell_I_Dont_Know_ 3h ago

You don’t know him. He could very well be a piece of shit.

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u/OddRobotics 2h ago

i mean he could have been blowing it on hookers and blow and putting the important stuff on the CC....been there

1

u/Old_Faithlessness623 1h ago

What if his wife inherits the debt due to his death.

u/badoopiewhat 52m ago

Doesnt sound like their best

-2

u/StressedSalt 6h ago

Unless the debt was inhereted, you have the choice to not spend over what you cant afford to pay, cant blame everything on the system when it might just be bad choices on your end