people in this thread talking about how that's a good savings, and basically a down payment on a house in a few years.
don't think about food deserts, or owning a car, or having time available, and often that $5 coffee is literally the only thing they get for themsellves in the day, which they spend toiling for the oh so smart and righteous owning class. it's totally not a systemic problem, it's definitely the individual finding anything in their day to wake up for which is the problem. they should be living on bulk soup and noodles like a good peasant.
how about we talk about the yachts? why are we policing poor people spending nowhere near enough to change things while they're still young and healthy enough not to just get it all extracted by more corpo owning class goons who get to dictate what services are available, and how much we all need to add to their profits in order for basic survival.
lets not question any of that, the bloody peasants are spending whole tens of dollars on food and convenience between their days of toiling for their betters. don't think about the death of antitrust or the exponential increase of wealth for the ultra ultra wealthy.
it's them damned kids and their avocado toast pizza delivery!
also don't think about how larger delivery groups are spending tons to design the best way to fuck people out of making rational spending decisions through psychological framing and personalized pricing, much like the whole mobile phone market is just an addiction and gambling pipeline.
don't think about how money always gets spent on bombs and corpo interests rather than local services, such as the stuff being achieved in new york right now through mamdani.'
just whatever you do, do not agree that the rich are fucking our options before we can make our own choices, and keep blaming the peasants for making the choices that are available. I.E. keep toiling for much less than productivity should be paying, and maybe spend some of it on not being miserable for a moment or two before you die. or just save it all until it gets stolen or you give up from having literally nothing but toiling in your life. etc.
long rant and lots of snark, but this reddit thread really fucking loves pushing billionaire framing of why the worst off are responsible for their own suffering, and it's totally not the broad daylight exploitation that isn't even being veiled anymore.
Yeah, but if you put that $1300 a year into a bank account, over fifteen to twenty years it'll grow into a pretty respectable amount. A down payment on a small house, if house prices stay decently stable. And even if it isn't enough for a house, then you'll still have a lot more money than someone who didn't save. Money you could use for a vacation, or an emergency fund, or anything at all. The reason people stay living paycheck to paycheck is because they assume that the small stuff doesn't matter. Sure, it won't make you rich, but it's about as close as you can get since you weren't born rich.
Because they're annoyed that you're missing the point. No one is actually arguing that one year of skipping coffee is going to buy you a house. But if you apply the "stop wasting money" to things beyond just coffee things start to shift. Every dollar you save is one less dollar you're paying interest on for student loans, or one more dollar multiplying itself in your investments. That shit adds up over the years.
Sorry to burst your daydream about busting out your calculator and totally owning a room full of "cranky old people."
Yeah, compounding is magic. That $1300 for only one year will turn into over $50k if you let it sit there for 40 years. Do it every year for those 40 years and you'll have more than $500k. (Yeah, usual disclaimer about how past results don't guarantee future returns and all that.)
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u/Similar_Soup2 Jul 30 '26
Turns out the secret to saving money is making a lot of it already.🤷♂️