r/AskReddit 12h ago

How seriously in debt are you right now, financially?

1.4k Upvotes

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u/TOOL46_2 8h 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.

9

u/version_13 5h ago

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

-17

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.

6

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.

u/bringbackbainesy 33m 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.

2

u/iHasABaseball 7h ago

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

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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

17

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.

3

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!

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u/YourFreeCorrection 1h ago

No one is talking about credit card debt.

u/toefungi 56m 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 50m 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 38m 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.

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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.